32 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 32 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,849 sqft · built 1984
Lot Size	1.61 acres (70,132 sqft)
Owner	Individual Name on Record
Last Sale	$570,000 (Sep 2017)
Tax Bill	$13,190 (2025)
Deeds & Mortgages	Mar 2021 Refinance Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARV M:22 B:1`

Property Details

APN / Parcel Number

Primary APN	`HARV M:22 B:1`
Alternative APNs	`M:022.0 P:0001-0000.0` `1250220000100000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,849 sqft Living Area
Gross Area	4,682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Shed Roof
Roof Material	Asphalt
Lot Area	70,132 sqft (1.61 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250220000100000
Street Address	32 STOW RD
City	HARVARD
State	MA
Zip	01451-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3003
Census Tract	761401

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	32 STOW RD, HARVARD, MA 01451-1826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Sep 21, 2017	Quit Claim Deed, Transfer SANTANDER BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2017 · Amount on Record
Deed Sale	Sep 21, 2017 · Amount on Record
Prior Sale	Jul 18, 2005 · Amount on Record
Deed Book / Page	57765 / 331
Transfer Doc	057765-331
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	32 STOW RD, HARVARD, MA 01451-1826
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	064608-150
Date	Mar 4, 2021
Book Page	64608/150
Instrument	30355

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Sep 21, 2017
Property Address	32 STOW RD, HARVARD, MA 01451-1826
Document Number	57765-331
Book / Page	57765 / 331
Instrument	104280
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.83
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 STOW RD, HARVARD, MA 01451-1826

Mortgage

Document Number	577650334
Date	Sep 21, 2017
Instrument	57765/0334

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2047

Tax Assessment & Valuation

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	$13,190.00 (+1.23%)	$842,800 (-3.62%) Land $230,400 Building $612,400
2024	$13,030.00 (+3.92%)	$874,500 (+15.84%) Land $230,400 Building $644,100	$936,415
2023	$12,539.00	$754,900 Land $220,900 Building $534,000

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

Flood

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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