3 Elm Dr, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 3 Elm Dr, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,408 sqft · built 1978
Lot Size	0.345 acres (15,026 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (Oct 2012)
Tax Bill	$3,674 (2025)
Deeds & Mortgages	Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:112 P:A3-33`

Property Details

APN / Parcel Number

Primary APN	`HARW M:112 P:A3-33`
Alternative APNs	`M:00112 B:A003 L:033` `11081`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,408 sqft Living Area
Gross Area	3,315 sqft
1st Floor Area	1,408 sqft
Basement Area	1,763 sqft
Unfinished Basement	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,026 sqft (0.345 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	11081
Street Address	3 ELM DR
City	HARWICH
State	MA
Zip	02645-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2010
Census Tract	11100

Owner

3 Elm Dr is owned by an individual who bought it in October 2012.

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

Owner of Record	Individual Name on File
Mailing Address	216 ISINGLASS HILL RD, PORTLAND, CT 06480-1091
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2012 · Amount on File
Deed Sale	Oct 18, 2012 · Amount on File
Prior Sale	Aug 29, 2003 · Amount on File
Deed Book / Page	26774 / 155
Transfer Doc	026774-155
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 ELM DR, HARWICH, MA 02645-1312
Document Number	32350-128
Instrument Date	Sep 5, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ELM DR HARWICH MA 026451312, HARWICH, MA 02645-1312

Mortgage

Document Number	32350-128
Date	Oct 3, 2019
Book Page	032350/000128
Instrument	48466

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3 Elm Dr was $3,674, up 6.4% from the year before.

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	$3,674.00 (+6.43%)	$621,700 (+8.61%) Land $205,600 Building $416,100	$677,255
2024	$3,452.00 (+4.7%)	$572,400 (+15.26%) Land $174,600 Building $397,800
2023	$3,297.00	$496,600 Land $158,700 Building $337,900

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

Flood

FEMA maps place 3 Elm Dr in Zone X, an area of minimal flood risk.

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	3 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 3 Elm Dr is low, with less than 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 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Elm Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures