244 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 244 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,916 sqft · built 1979
Lot Size	3.64 acres (158,558 sqft)
Owner	2 Trust Names on File
Tax Bill	$12,835 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`HARV M:32 B:34`

Property Details

APN / Parcel Number

Primary APN	`HARV M:32 B:34`
Alternative APNs	`M:032.0 P:0034-0000.0` `1250320003400000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,916 sqft Living Area
Gross Area	4,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	158,558 sqft (3.64 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250320003400000
Street Address	244 STOW RD
City	HARVARD
State	MA
Zip	01451-1906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	34
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3017
Census Tract	761401

Owner

244 Stow Rd is owner-occupied and held in a trust since April 2025.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	244 STOW RD, HARVARD, MA 01451-1906
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Mar 29, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 25, 2025
Transfer Doc	071902-316
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Recording Date	Jun 2, 2026
Property Address	244 STOW RD, HARVARD, MA 01451-1906
Document Number	073662-334
Book / Page	73662 / 334
Instrument Date	May 28, 2026
Instrument	202644151
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044151,
Date	Jun 2, 2026
Book Page	73662/334
Instrument	202644151

Lender

Name	CITIZENS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	244 STOW RD, HARVARD, MA 01451-1906
Document Number	60272-318
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 STOW RD HARVARD MA 014511906, HARVARD, MA 01451-1906

Mortgage

Document Number	60272-318
Date	Apr 16, 2019
Book Page	060272/000318
Instrument	32627

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 244 Stow Rd was $12,835, up 5% from the year before.

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	$12,835.00 (+5.04%)	$820,100 (-) Land $260,800 Building $559,300
2024	$12,219.00 (-0.6%)	$820,100 (+10.81%) Land $260,800 Building $559,300	$1,116,155
2023	$12,293.00	$740,100 Land $251,300 Building $488,800

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

Flood

FEMA maps place 244 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

Wildfire risk around 244 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 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 39 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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