342 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 342 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,332 sqft · built 1983
Lot Size	2.45 acres (106,722 sqft)
Owner	2 Trust Names on File
Last Sale	$1,030,000 (Oct 2021)
Tax Bill	$14,293 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Oct 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:38 B:3`

Property Details

APN / Parcel Number

Primary APN	`HARV M:38 B:3`
Alternative APNs	`M:038.0 P:0003-0000.0` `1250380000300000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,332 sqft Living Area
Gross Area	5,766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	106,722 sqft (2.45 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1250380000300000
Street Address	342 STOW RD
City	HARVARD
State	MA
Zip	01451-1910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3017
Census Tract	761401

Owner

342 Stow Rd is owner-occupied and held in a trust since October 2021.

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	2 Trust Names on File
Mailing Address	342 STOW RD, HARVARD, MA 01451-1910
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) EASTRISE FCU
Oct 28, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK
Dec 21, 2020	Deed of Trust, Mortgage · Line of Credit ST MARYS CREDIT UNION
Dec 3, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS CREDIT UNION
Dec 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ST MARYS CREDIT UNION
Feb 22, 2017	Deed of Trust, Mortgage ST MARY'S CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Aug 25, 1999 · Amount on File
Deed Document Number	2021151630
Deed Book / Page	66401 / 277
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	072547-246
Date	Sep 17, 2025
Book Page	72547/246
Instrument	79624

Lender

Name	EASTRISE FCU

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2035

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Oct 28, 2021
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Document Number	66401-277
Book / Page	66401 / 277
Instrument Date	Oct 28, 2021
Instrument	151630
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	342 STOW RD, HARVARD, MA 01451-1910
Investor	Possibly a Property Investor

Mortgage

Document Number	151631
Date	Oct 28, 2021
Instrument	151631

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64029-198
Date	Dec 21, 2020
Book Page	64029/198
Instrument	158792

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61523-232
Date	Dec 3, 2019
Book Page	61523/232
Instrument	130361

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	193 Months
Due	Jan 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64029-180
Date	Dec 21, 2020
Book Page	64029/180
Instrument	158791

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	342 STOW RD, HARVARD, MA 01451-1910
Document Number	56788-52
Book / Page	056788 / 000052
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Mar 22, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	56788-52
Date	Feb 27, 2017
Book Page	056788/000052
Instrument	20487

Lender

Name	ST MARY'S CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 26, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 342 Stow Rd was $14,293, up 5% 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	$14,293.00 (+5.03%)	$913,300 (-) Land $243,000 Building $670,300
2024	$13,608.00 (-0.79%)	$913,300 (+10.6%) Land $243,000 Building $670,300	$1,254,190
2023	$13,717.00	$825,800 Land $233,500 Building $592,300

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

Flood

FEMA maps place 342 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 342 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 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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