3 Tern Rd, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.392 acres (17,070 sqft)
Owner	2 Individual Names on File
Last Sale	$705,000 (Dec 2024)
Tax Bill	$3,684 (2025)
Flood Zone	Zone X (minimal risk)
APN	`HARW M:88 P:R17`

Property Details

APN / Parcel Number

Primary APN	`HARW M:88 P:R17`
Alternative APNs	`M:00088 B:R017 L:000` `6871`

Exterior

Lot Area	17,070 sqft (0.392 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Location & Zoning

Account Number	6871
Street Address	3 TERN RD
City	HARWICH
State	MA
Zip	02645-2247
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1019
Census Tract	11100

Owner

Source: Barnstable County and Harwich Town records · APN HARW M:88 P:R17

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 Record	2 Individual Names on File
Mailing Address	28 YARMOUTH RD, NORWALK, CT 06853-1845
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 12, 2024 · Amount on Record
Deed Sale	Dec 12, 2024 · Amount on Record
Prior Sale	Oct 26, 2015
Deed Document Number	202449766
Deed Book / Page	36724 / 301
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

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	$3,684.00 (+3.02%)	$623,300 (+5.09%) Land $208,800 Building $414,500	$670,320
2024	$3,576.00 (+4.5%)	$593,100 (+15.1%) Land $197,000 Building $396,100
2023	$3,422.00	$515,300 Land $179,100 Building $336,200

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 250010111001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% 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, availability as of December 31, 2025 · sampled at 168 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile USA Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	HARWICH WATER DEPARTMENT serves 39,144 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.