344 Ayer Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 344 Ayer Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,294 sqft · built 1978
Lot Size	0.82 acres (35,719 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,230 (2025)
Deeds & Mortgages	May 2021 Line of Credit Mar 2021 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:2 B:12`

Property Details

APN / Parcel Number

Primary APN	`HARV M:2 B:12`
Alternative APNs	`M:002.0 P:0012-0000.0` `1250020001200000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,294 sqft Living Area
Gross Area	3,945 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	35,719 sqft (0.82 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1250020001200000
Street Address	344 AYER RD
City	HARVARD
State	MA
Zip	01451-1111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	1
Census Block	1002
Census Tract	761402

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	2 Individual Names on Record
Mailing Address	344 AYER RD, HARVARD, MA 01451-1111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Line of Credit AVIDIA BANK
Mar 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK
Jul 20, 2018	Deed of Trust, Mortgage · Closed-End Mortgage SANTANDER BANK NA
Jul 20, 2018	Deed of Trust, Mortgage SANTANDER BANK NA
Mar 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance AVIDIA BANK
Oct 30, 2018	Quit Claim Deed, Transfer AVIDIA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2018
Deed Sale	Oct 30, 2018
Prior Sale	Apr 7, 2010 · Amount on Record
Deed Document Number	2018115316
Deed Book / Page	59619 / 196
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65097-35
Date	May 5, 2021
Book Page	65097/35
Instrument	62113

Lender

Name	AVIDIA BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64811-284
Date	Mar 30, 2021
Book Page	64811/284
Instrument	43708

Lender

Name	AVIDIA BANK

Agreement

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

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59129-282
Date	Jul 20, 2018
Book Page	59129/282
Instrument	74223

Lender

Name	SANTANDER BANK NA

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59129-266
Date	Jul 20, 2018
Book Page	59129/266
Instrument	74222

Lender

Name	SANTANDER BANK NA

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62017-133
Date	Mar 10, 2020
Book Page	62017/133
Instrument	25065

Lender

Name	AVIDIA BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Oct 30, 2018
Property Address	344 AYER RD, HARVARD, MA 01451-1111
Document Number	59619-196
Book / Page	59619 / 196
Instrument	115316
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$51.95
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	59619-199
Date	Oct 30, 2018
Book Page	59619/199
Instrument	115317

Lender

Name	AVIDIA BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$9,230.00 (+4.23%)	$589,800 (-0.76%) Land $198,300 Building $391,500
2024	$8,855.00 (-0.65%)	$594,300 (+10.75%) Land $198,300 Building $396,000	$506,350
2023	$8,913.00	$536,600 Land $190,100 Building $346,500

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 · 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
Nearby Flood Policies	4 in force

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

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

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

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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