3 Gray Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 3 Gray Rd, Harwich, MA 02645 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details1 bd · 1.5 ba · 1,801 sqft · built 2006
Lot Size0.352 acres (15,332 sqft)
Owner2 Individual Names on File
Last Sale$400,000 (Aug 2008)
Tax Bill$4,125 (2025)
Deeds & MortgagesJun 2022 Line of Credit
Flood ZoneZone X (minimal risk)
APNHARW M:78 P:K5

Property Details

APN / Parcel Number

Primary APNHARW M:78 P:K5
Alternative APNs
  • M:00078 B:K005 L:000
  • 17808

Interior

Bedrooms1 Bed
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories2 Stories
Building Area1,801 sqft Living Area
Gross Area4,974 sqft
1st Floor Area1,614 sqft
Basement Area1,614 sqft
Unfinished Basement1,614 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleCape Cod
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area15,332 sqft (0.352 acres)
Garage TypeAttached
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelOil

Location & Zoning

Account Number17808
Street Address3 GRAY RD
CityHARWICH
StateMA
Zip02645-1619
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionHARWICH
JurisdictionHARWICH MA
Township / Civil DivisionHARWICH
Census Block Group4
Census Block4031
Census Tract11002

Owner

Source: Barnstable County and Harwich Town records · APN HARW M:78 P:K5

Assessment roll updated May 27, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address224 POND VIEW DR, BREWSTER, MA 02631-1655
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 29, 2008 · Amount on Record
Deed SaleAug 29, 2008 · Amount on Record
Prior SaleMar 10, 2004 · Amount on Record
Deed Document Number200845747
Deed Book / Page23128 / 344
Transfer Doc26087-198
Record UpdatedSep 20, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionHARWICH MA
Property Address3 GRAY RD, HARWICH, MA 02645-1619
Transaction TypeMortgage
Record UpdatedJul 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number035191-103
DateJun 16, 2022
Book Page35191/103
Instrument30922
Lender
NameROCKLAND TRUST CO
TypeNon-Lending Institution
Agreement
TypeLine of Credit
AmountAmount Recorded
Term541 Months
DueJul 01, 2067
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Barnstable County and Harwich Town records · Assessment roll updated May 27, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyBarnstable County
County SubdivisionHarwich Town
Unified School DistrictMonomoy Regional 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,125.00 (+3.88%)$698,000 (+6%) Land $154,600 Building $543,400$727,035
2024$3,971.00 (+4.42%)$658,500 (+14.98%) Land $145,800 Building $512,700
2023$3,803.00$572,700 Land $132,600 Building $440,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010110024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 58% of Massachusetts
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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, availability as of December 31, 2025 · Published October 2026 · based on 35 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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