Essex County and Georgetown Town property record for 3 Hardy Ter, Georgetown, MA 01833
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,444 sqft · built 1974 |
| Lot Size | 0.928 acres (40,436 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Oct 2013) |
| Tax Bill | $12,651 (2026) |
| Deeds & Mortgages | May 2021 Refinance Jun 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | GEOR M:00001 B:00000 L:00006 |
| Primary APN | GEOR M:00001 B:00000 L:00006 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,444 sqft Living Area |
| Gross Area | 5,080 sqft |
| Basement Area | 632 sqft |
| Unfinished Basement | 632 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,436 sqft (0.928 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3 HARDY TER |
|---|---|
| City | GEORGETOWN |
| State | MA |
| Zip | 01833-1315 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Subdivision | HARDY TERRACE |
| Legal Lot Number | 6 |
| Jurisdiction | GEORGETOWN MA |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 265101 |
3 Hardy Ter is owned and occupied by an individual who bought it in October 2013.
Source: Essex County and Georgetown Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 HARDY TER, GEORGETOWN, MA 01833-1315 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROSS MORTGAGE COMPANY INC |
| Jun 10, 2024 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SAVINGS BANK TRUST |
| Feb 28, 2018 | Deed of Trust, Mortgage ROSS MORTGAGE CORP |
| May 27, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FALL RIVER FIVE CENTS SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2013 · Amount on File |
| Deed Sale | Oct 30, 2013 · Amount on File |
| Prior Sale | Dec 20, 2007 · Amount on File |
| Deed Book / Page | 32921 / 166 |
| Transfer Doc | 032921-166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN MA |
| Property Address | 3 HARDY TER, GEORGETOWN, MA 01833-1315 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 039882-151 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 39882/151 |
| Instrument | 20210517001670 |
| Name | ROSS MORTGAGE COMPANY INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN MA |
| Property Address | 3 HARDY TER, GEORGETOWN, MA 01833-1315 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0042158-72 |
|---|---|
| Date | Jun 10, 2024 |
| Book Page | 42158/72 |
| Instrument | 20240610001270 |
| Name | SAVINGS BANK TRUST |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN MA |
| Property Address | 3 HARDY TER, GEORGETOWN, MA 01833-1315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 36556-304 |
|---|---|
| Date | Feb 28, 2018 |
| Book Page | 36556/304 |
| Instrument | 180228001140 |
| Name | ROSS MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Feb 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GEORGETOWN MA |
| Property Address | 3 HARDY TER, GEORGETOWN, MA 01833-1315 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 38551-447 |
|---|---|
| Date | May 27, 2020 |
| Book Page | 38551/447 |
| Instrument | 20200527003370 |
| Name | FALL RIVER FIVE CENTS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jun 1, 2051 |
The 2026 property tax bill for 3 Hardy Ter was $12,651, up 24.4% from the year before.
Source: Essex County and Georgetown Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Essex County |
| County Subdivision | Georgetown Town |
| Unified School District | Georgetown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,651.00 (+24.41%) | $919,400 (-) Land $307,700 Building $611,700 | $937,920 (+31.36%) |
| 2025 | $10,169.00 (+4.42%) | $919,400 (+18.48%) Land $307,700 Building $611,700 | $714,020 |
| 2024 | $9,739.00 (-5.07%) | $776,000 (-1.82%) Land $212,200 Building $563,800 | |
| 2023 | $10,259.00 | $790,400 Land $212,200 Building $578,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Hardy Ter in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective July 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 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 risk around 3 Hardy Ter 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GEORGETOWN WATER DEPARTMENT serves 8,766 people · EPA ID MA3105000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 6 ppb (2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Jul 2018 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fiber | 980 / 880 |
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