Worcester County and Harvard Town property record for 221 Stow Rd, Harvard, MA 01451
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 2,065 sqft · built 1955 |
| Lot Size | 1.51 acres (65,776 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $330,000 (Jul 2010) |
| Tax Bill | $9,562 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Sep 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HARV M:32 B:30 |
| Primary APN | HARV M:32 B:30 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,065 sqft Living Area |
| Gross Area | 4,326 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,692 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 65,776 sqft (1.51 acres) |
| Garage Type | Basement |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Electric |
| Account Number | 1250320003000000 |
|---|---|
| Street Address | 221 STOW RD |
| City | HARVARD |
| State | MA |
| Zip | 01451-1912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 30 |
| Jurisdiction | HARVARD MA |
| Township / Civil Division | HARVARD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 761401 |
221 Stow Rd is owner-occupied and held in a trust since April 2024.
Source: Worcester County and Harvard Town records, as of April 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 221 STOW RD, HARVARD, MA 01451-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 10, 2023 | Deed of Trust, Mortgage · Line of Credit MIDDLESEX SAVINGS BANK |
| Sep 10, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance MIDDLESEX SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2010 · Amount on File |
| Deed Sale | Jul 30, 2010 · Amount on File |
| Prior Sale | May 28, 1993 · Amount on File |
| Last Transfer Date | Apr 10, 2024 |
| Transfer Doc | 070532-247 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 221 STOW RD, HARVARD, MA 01451-1912 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 069499-380 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 69499/380 |
| Instrument | 65492 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 221 STOW RD, HARVARD, MA 01451-1912 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 63221-184 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 63221/184 |
| Instrument | 103966 |
| Name | MIDDLESEX SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Oct 1, 2035 |
The 2025 property tax bill for 221 Stow Rd was $9,562, up 5% from the year before.
Source: Worcester County and Harvard Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Harvard Town |
| Unified School District | Harvard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,562.00 (+5.03%) | $611,000 (-) Land $228,900 Building $382,100 | |
| 2024 | $9,104.00 (-1.09%) | $611,000 (+10.27%) Land $228,900 Building $382,100 | $746,130 |
| 2023 | $9,204.00 | $554,100 Land $219,400 Building $334,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Stow Rd in Zone X, an area of minimal flood risk.
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 risk around 221 Stow Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 98.2% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.02% 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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