3 Bowers Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 3 Bowers Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1968
Lot Size	1.82 acres (79,279 sqft)
Owner	2 Individual Names on File
Last Sale	$421,400 (Jun 2014)
Tax Bill	$12,492 (2025)
Deeds & Mortgages	Oct 2024 Refinance Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:30 B:9`

Property Details

APN / Parcel Number

Primary APN	`HARV M:30 B:9`
Alternative APNs	`M:030.0 P:0009-0000.0` `1250300000900000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	4,929 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	79,279 sqft (1.82 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1250300000900000
Street Address	3 BOWERS RD
City	HARVARD
State	MA
Zip	01451-1634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	9
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	4
Census Block	4002
Census Tract	761401

Owner

Source: Worcester County and Harvard Town records · APN HARV M:30 B:9

Assessment roll updated April 14, 2026 · Last verified April 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 File
Mailing Address	3 BOWERS RD, HARVARD, MA 01451-1634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Jun 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY ST SVGS BK
Jun 03, 2020	Deed of Trust, Mortgage · Line of Credit BAY ST SVGS BK
Mar 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CLINTON SVGS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2014 · Amount on Record
Deed Sale	Jun 18, 2014 · Amount on Record
Prior Sale	Sep 27, 1999 · Amount on Record
Deed Book / Page	82 / 152
Record Updated	Jun 08, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	3 BOWERS RD, HARVARD, MA 01451-1634
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123706
Date	Oct 28, 2024
Instrument	123706

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2044

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	3 BOWERS RD, HARVARD, MA 01451-1634
Document Number	0000115982
Instrument Date	Jun 03, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 BOWERS RD HARVARD MA 014511634, HARVARD, MA 01451-1634

Mortgage

Document Number	0000115982
Date	Jun 08, 2020
Instrument	115982

Lender

Name	BAY ST SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 07, 2040

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	3 BOWERS RD, HARVARD, MA 01451-1634
Document Number	0000115983
Instrument Date	Jun 03, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 BOWERS RD HARVARD MA 014511634, HARVARD, MA 01451-1634

Mortgage

Document Number	0000115983
Date	Jun 08, 2020
Instrument	115983

Lender

Name	BAY ST SVGS BK
Type	Federal Savings Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 07, 2040

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	3 BOWERS RD, HARVARD, MA 01451-1634
Document Number	0000110464
Instrument Date	Mar 31, 2017
Transaction Type	Mortgage
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000110464
Date	Apr 07, 2017
Instrument	110464

Lender

Name	CLINTON SVGS BK
Type	Federal Savings Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Harvard Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,492.00 (+6.82%)	$798,200 (+1.71%) Land $327,600 Building $470,600
2024	$11,694.00 (+2.08%)	$784,800 (+13.79%) Land $314,200 Building $470,600	$787,075
2023	$11,456.00	$689,700 Land $278,800 Building $410,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 42 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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