349 Stow Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 349 Stow Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,142 sqft · built 1998
Lot Size	1.29 acres (56,192 sqft)
Owner	2 Individual Names on File
Last Sale	$382,000 (Jan 1998)
Tax Bill	$15,691 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:038.0 P:0013-0001.0`

Property Details

APN / Parcel Number

Primary APN	`M:038.0 P:0013-0001.0`
Alternative APNs	`HARV M:38 B:13 L:1` `1250380001300010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	7,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,192 sqft (1.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1250380001300010
Street Address	349 STOW RD
City	HARVARD
State	MA
Zip	01451-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARVARD & BOLTON
Legal Block	13
Legal Lot Number	1
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	3
Census Block	3023
Census Tract	761401

Owner

349 Stow Rd is owned and occupied by two individuals who bought it in January 1998.

Source: Worcester County and Harvard Town records, as of October 20, 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 Individual Names on File
Mailing Address	349 STOW RD, HARVARD, MA 01451-1916
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2017	Deed of Trust, Mortgage CLINTON SAVINGS BANK
Oct 27, 2017	Deed of Trust, Mortgage CLINTON SAVINGS BANK
Jan 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CLINTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 1998 · Amount on File
Deed Sale	Jan 15, 1998 · Amount on File
Deed Book / Page	19524 / 99
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	349 STOW RD, HARVARD, MA 01451-1916
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57403-326
Date	Jul 12, 2017
Book Page	57403/326
Instrument	73433

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	349 STOW RD, HARVARD, MA 01451-1916
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	57944-271
Date	Oct 27, 2017
Book Page	57944/271
Instrument	119392

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	349 STOW RD, HARVARD, MA 01451-1916
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64150-161
Date	Jan 5, 2021
Book Page	64150/161
Instrument	1052

Lender

Name	CLINTON SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 349 Stow Rd was $15,691, up 8.5% 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
2026	$15,691.00 (+8.52%)	$988,700 (+7.01%) Land $219,900 Building $768,800	$1,198,805 (-)
2025	$14,459.00 (+4.13%)	$923,900 (-0.86%) Land $219,900 Building $704,000	$1,198,805 (+5.3%)
2024	$13,885.00 (-3.37%)	$931,900 (+7.72%) Land $219,900 Building $712,000	$1,138,480
2023	$14,369.00	$865,100 Land $210,700 Building $654,400

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

Flood

FEMA maps place 349 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 349 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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