318 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 318 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,060 sqft · built 1981
Lot Size	6.38 acres (277,913 sqft)
Owner	Trust Name on File
Last Sale	$435,000 (Mar 2016)
Tax Bill	$11,058 (2025)
Deeds & Mortgages	Jan 2021 Refinance Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`HARV M:36 B:57`

Property Details

APN / Parcel Number

Primary APN	`HARV M:36 B:57`
Alternative APNs	`M:036.0 P:0057-0000.0` `1250360005700000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,060 sqft Living Area
Gross Area	4,262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	277,913 sqft (6.38 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250360005700000
Street Address	318 STOW RD
City	HARVARD
State	MA
Zip	01451-1909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	57
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3017
Census Tract	761401

Owner

318 Stow Rd is owner-occupied and held in a trust since March 2016.

Source: Worcester County and Harvard Town records, as of April 14, 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	Trust Name on File
Mailing Address	318 STOW RD, HARVARD, MA 01451-1909
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROLLSTONE BANK & TRUST
Sep 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2016 · Amount on File
Deed Sale	Mar 16, 2016 · Amount on File
Prior Sale	Dec 7, 2015 · Amount on File
Deed Book / Page	55060 / 287
Transfer Doc	57772-159
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	318 STOW RD, HARVARD, MA 01451-1909
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0064329-27
Date	Jan 27, 2021
Book Page	64329/27
Instrument	12371

Lender

Name	ROLLSTONE BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2036

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Sep 22, 2017
Property Address	318 STOW RD, HARVARD, MA 01451-1909
Document Number	57772-159
Book / Page	057772 / 000159
Instrument Date	Sep 1, 2017
Instrument	4800
Transaction Type	Transfer
Record Updated	Oct 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	318 STOW RD HARVARD MA 014511909, HARVARD, MA 01451-1909

Tax Assessment & Valuation

The 2025 property tax bill for 318 Stow Rd was $11,058, up 1.4% from the year before.

Source: Worcester County and Harvard Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Harvard Town
Unified School District	Harvard School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,058.00 (+1.38%)	$706,600 (-3.48%) Land $295,300 Building $411,300
2024	$10,908.00 (+0.53%)	$732,100 (+12.06%) Land $295,300 Building $436,800	$822,035
2023	$10,851.00	$653,300 Land $285,800 Building $367,500

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

Flood

FEMA maps place 318 Stow Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 318 Stow Rd 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 66% of the US · above 98.9% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Stow Rd

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