3 Kendrick Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 3 Kendrick Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,372 sqft · built 1994
Lot Size	0.919 acres (40,018 sqft)
Owner	2 Individual Names on File
Last Sale	$44,000 (Jun 1992)
Tax Bill	$4,230 (2025)
Deeds & Mortgages	Jan 2020 Refinance May 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`HARW M:98 P:G1-2`

Property Details

APN / Parcel Number

Primary APN	`HARW M:98 P:G1-2`
Alternative APNs	`M:00098 B:G001 L:002` `17720`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,372 sqft Living Area
Gross Area	3,496 sqft
1st Floor Area	1,372 sqft
Basement Area	1,372 sqft
Unfinished Basement	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,018 sqft (0.919 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	17720
Street Address	3 KENDRICK RD
City	HARWICH
State	MA
Zip	02645-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1018
Census Tract	11100

Owner

3 Kendrick Rd is owned and occupied by two individuals who bought it in June 1992.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3 KENDRICK RD, HARWICH, MA 02645-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD COOPERATIVE BANK
May 25, 2018	Deed of Trust, Mortgage · Line of Credit CAPE COD BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 1992 · Amount on File
Deed Sale	Jun 26, 1992 · Amount on File
Deed Book / Page	8085 / 335
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 KENDRICK RD, HARWICH, MA 02645-1534
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32630-135
Date	Jan 17, 2020
Book Page	32630/135
Instrument	2784

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	3 KENDRICK RD, HARWICH, MA 02645-1534
Document Number	31306-143
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 19, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KENDRICK RD HARWICH MA 026451534, HARWICH, MA 02645-1534

Mortgage

Document Number	31306-143
Date	May 31, 2018
Book Page	031306/000143
Instrument	25900

Lender

Name	CAPE COD BK&TR
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3 Kendrick Rd was $4,230, up 7% 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	$4,230.00 (+6.95%)	$715,800 (+9.13%) Land $261,300 Building $454,500	$874,760
2024	$3,955.00 (+4.44%)	$655,900 (+15.01%) Land $221,800 Building $434,100
2023	$3,787.00	$570,300 Land $201,700 Building $368,600

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

Flood

FEMA maps place 3 Kendrick Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Winter Coastal Storm, Dec 1992 · 2 claims

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 Kendrick Rd 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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