21 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 21 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,336 sqft · built 1982
Lot Size	1.71 acres (74,488 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Dec 2015)
Tax Bill	$10,910 (2025)
Deeds & Mortgages	Oct 2022 Refinance Oct 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HARV M:23 B:44`

Property Details

APN / Parcel Number

Primary APN	`HARV M:23 B:44`
Alternative APNs	`M:023.0 P:0044-0000.0` `1250230004400000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,336 sqft Living Area
Gross Area	4,545 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	74,488 sqft (1.71 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	1250230004400000
Street Address	21 STOW RD
City	HARVARD
State	MA
Zip	01451-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	44
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3002
Census Tract	761401

Owner

Source: Worcester County and Harvard Town records, as of April 14, 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	21 STOW RD, HARVARD, MA 01451-1830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Oct 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2015 · Amount on Record
Deed Sale	Dec 18, 2015 · Amount on Record
Prior Sale	Jun 27, 2002 · Amount on Record
Deed Book / Page	54722 / 177
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	21 STOW RD, HARVARD, MA 01451-1830
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	068309-209
Date	Oct 4, 2022
Book Page	68309/209
Instrument	108538

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	21 STOW RD, HARVARD, MA 01451-1830
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63629-246
Date	Oct 30, 2020
Book Page	63629/246
Instrument	130990

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2040

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	$10,910.00 (+1.55%)	$697,100 (-3.33%) Land $231,900 Building $465,200
2024	$10,744.00 (+2.87%)	$721,100 (+14.68%) Land $231,900 Building $489,200	$800,565
2023	$10,444.00	$628,800 Land $222,400 Building $406,400

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
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	0.02% annual chance
Exposure	Direct burnable vegetation

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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