221 Main St, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 221 Main St, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,189 sqft · built 1900
Lot Size	1.15 acres (50,094 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (May 2000)
Tax Bill	$3,882 (2025)
Deeds & Mortgages	Oct 2020 Refinance Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:56 P:Y1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:56 P:Y1`
Alternative APNs	`M:00056 B:Y001 L:000` `5122`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,189 sqft Living Area
Gross Area	3,242 sqft
1st Floor Area	1,537 sqft
Basement Area	209 sqft
Unfinished Basement	209 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1985
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5122
Street Address	221 MAIN ST
City	HARWICH
State	MA
Zip	02645-2421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	4
Census Block	4051
Census Tract	11002

Owner

221 Main St is owned and occupied by an individual who bought it in May 2000.

Source: Barnstable County and Harwich Town records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	221 MAIN ST, HARWICH, MA 02645-2421
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GLOBAL EQUITY FINANCE INC
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2000 · Amount on File
Deed Sale	May 8, 2000 · Amount on File
Deed Book / Page	12995 / 111
Record Updated	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	221 MAIN ST, HARWICH, MA 02645-2421
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33378-227
Date	Oct 20, 2020
Book Page	33378/227
Instrument	57316

Lender

Name	GLOBAL EQUITY FINANCE INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	221 MAIN ST, HARWICH, MA 02645-2421
Document Number	32421-125
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 MAIN ST HARWICH MA 026452421, HARWICH, MA 02645-2421

Mortgage

Document Number	32421-125
Date	Oct 29, 2019
Book Page	032421/000125
Instrument	53734

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 221 Main St was $3,882.

Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Harwich Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,882.00	$656,900 (+2.05%) Land $199,800 Building $457,100	$831,820
2024	$3,882.00 (+4.33%)	$643,700 (+14.86%) Land $188,500 Building $455,200
2023	$3,721.00	$560,400 Land $171,400 Building $389,000

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

Flood

FEMA maps place 221 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 221 Main St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARWICH WATER DEPARTMENT serves 39,144 people · EPA ID MA4126000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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