203 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 203 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1850
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Nov 2021)
Tax Bill	$6,861 (2025)
Deeds & Mortgages	Apr 2026 Transfer Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:32 B:10`

Property Details

APN / Parcel Number

Primary APN	`HARV M:32 B:10`
Alternative APNs	`M:032.0 P:0010-0000.0` `1250320001000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,190 sqft Living Area
Gross Area	2,810 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,776 sqft (1.51 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250320001000000
Street Address	203 STOW RD
City	HARVARD
State	MA
Zip	01451-1911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3015
Census Tract	761401

Owner

Source: Worcester County and Harvard Town records, as of July 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	203 STOW RD, HARVARD, MA 01451-1911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Person

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Quit Claim Deed, Transfer Quitclaim
Nov 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SHAMROCK HOME LOANS
Jan 5, 2018	Deed of Trust, Mortgage · Closed-End Mortgage DIGITAL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Nov 2, 2012 · Amount on Record
Deed Document Number	2021160550
Deed Book / Page	66540 / 86
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Apr 9, 2026
Property Address	203 STOW RD, HARVARD, MA 01451-1911
Document Number	0073425-11
Book / Page	73425 / 11
Instrument Date	Mar 23, 2026
Instrument	202627128
Transaction Type	Transfer
Record Updated	Aug 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 STOW RD, HARVARD, MA 01451-1911

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Nov 16, 2021
Property Address	203 STOW RD, HARVARD, MA 01451-1911
Document Number	66540-86
Book / Page	66540 / 86
Instrument Date	Nov 16, 2021
Instrument	160550
Transaction Type	Transfer
Record Updated	Dec 3, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 STOW RD, HARVARD, MA 01451-1911

Mortgage

Document Number	160551
Date	Nov 16, 2021
Instrument	160551

Lender

Name	SHAMROCK HOME LOANS

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	203 STOW RD, HARVARD, MA 01451-1911
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	58282-199
Date	Jan 5, 2018
Book Page	58282/199
Instrument	1064

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2058

Tax Assessment & Valuation

Source: Worcester County and Harvard Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Harvard Town
Unified School District	Harvard School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,861.00 (+6.97%)	$438,400 (+1.84%) Land $228,900 Building $209,500
2024	$6,414.00 (-0.99%)	$430,500 (+10.38%) Land $228,900 Building $201,600	$491,530
2023	$6,478.00	$390,000 Land $219,400 Building $170,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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