3 4th St, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 3 4th St, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1962
Lot Size	0.294 acres (12,800 sqft)
Owner	2 Company Names on Record
Last Sale	$345,000 (Jun 2018)
Tax Bill	$3,606 (2025)
Deeds & Mortgages	Mar 2024 Refinance Nov 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:92 P:G7-230`

Property Details

APN / Parcel Number

Primary APN	`HARW M:92 P:G7-230`
Alternative APNs	`M:00092 B:G007 L:230` `7113`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,612 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,800 sqft (0.294 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7113
Street Address	3 4TH ST
City	HARWICH
State	MA
Zip	02645-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	3
Census Block	3046
Census Tract	11100

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	3 4TH ST, HARWICH, MA 02645-1121
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Nov 25, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Sep 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SEAMENS SAVINGS BANK
Jun 29, 2018	Quit Claim Deed, Transfer SEAMANS SAVINGS BANK
May 1, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2018 · Amount on Record
Deed Sale	Jun 29, 2018 · Amount on Record
Prior Sale	May 1, 2018
Deed Book / Page	31377 / 154
Transfer Doc	031377-154
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 4TH ST, HARWICH, MA 02645-1121
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0036258-82
Date	Mar 12, 2024
Book Page	36258/82
Instrument	9053

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 4TH ST, HARWICH, MA 02645-1121
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037323-146
Date	Nov 25, 2025
Book Page	37323/146
Instrument	48934

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 4TH ST, HARWICH, MA 02645-1121
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32301-101
Date	Sep 16, 2019
Book Page	32301/101
Instrument	44842

Lender

Name	SEAMENS SAVINGS BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jun 29, 2018
Property Address	3 4TH ST, HARWICH, MA 02645-1121
Document Number	31377-154
Book / Page	31377 / 154
Instrument	31834
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 4TH ST, HARWICH, MA 02645-1121

Mortgage

Document Number	313770157
Date	Jun 29, 2018
Instrument	31377/0157

Lender

Name	SEAMANS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 29, 2033

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	May 1, 2018
Property Address	3 4TH ST, HARWICH, MA 02645-1121
Document Number	31238-280
Book / Page	031238 / 000280
Instrument Date	Apr 26, 2018
Instrument	20302
Transaction Type	Transfer
Record Updated	May 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

Tax Assessment & Valuation

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	$3,606.00 (+3.89%)	$610,200 (+5.99%) Land $254,000 Building $356,200	$555,180
2024	$3,471.00 (+4.42%)	$575,700 (+15%) Land $239,600 Building $336,100
2023	$3,324.00	$500,600 Land $217,900 Building $282,700

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 October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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