Norfolk County and Dedham Town property record for 38 Harding Ter, Dedham, MA 02026
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,752 sqft · built 1900 |
| Lot Size | 0.146 acres (6,342 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $630,000 (Mar 2019) |
| Tax Bill | $11,466 (2026) |
| Deeds & Mortgages | Jun 2021 Line of Credit Jan 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | DEDH M:0097 L:0047 |
| Primary APN | DEDH M:0097 L:0047 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,752 sqft Living Area |
| Gross Area | 4,544 sqft |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 1,344 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,342 sqft (0.146 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 38 HARDING TER |
|---|---|
| City | DEDHAM |
| State | MA |
| Zip | 02026-2507 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | B |
| Legal Lot Number | 47 |
| Jurisdiction | DEDHAM MA |
| Township / Civil Division | DEDHAM |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 402102 |
38 Harding Ter, a duplex, is owned and occupied by two individuals who bought it in March 2019.
Source: Norfolk County and Dedham Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 1, 2021 | Deed of Trust, Mortgage · Line of Credit HANSCOM FCU |
| Jan 25, 2021 | Deed of Trust, Mortgage · FHA Mortgage FEDERAL SAVINGS BANK |
| Jun 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 29, 2019 | Quit Claim Deed, Transfer · FHA Mortgage GMH MORTGAGE SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2019 · Amount on File |
| Deed Sale | Mar 29, 2019 · Amount on File |
| Prior Sale | Sep 7, 2016 |
| Deed Document Number | 201922995 |
| Deed Book / Page | 36696 / 374 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEDHAM MA |
| Property Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0039464-21 |
|---|---|
| Date | Jun 1, 2021 |
| Book Page | 39464/21 |
| Instrument | 71578 |
| Name | HANSCOM FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEDHAM MA |
| Property Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 038908-141 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 38908/141 |
| Instrument | 9388 |
| Name | FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEDHAM MA |
| Property Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0041237-83 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 41237/83 |
| Instrument | 34854 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jul 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | DEDHAM MA |
| Recording Date | Mar 29, 2019 |
| Property Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Document Number | 36696-374 |
| Book / Page | 36696 / 374 |
| Instrument Date | Mar 29, 2019 |
| Instrument | 22995 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38 HARDING TER, DEDHAM, MA 02026-2507 |
| Document Number | 22996 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 22996 |
| Name | GMH MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 38 Harding Ter was $11,466, up 14.4% from the year before.
Source: Norfolk County and Dedham Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Dedham Town |
| Unified School District | Dedham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,466.00 (+14.41%) | $932,200 (+17.39%) Land $310,300 Building $621,900 | $875,864 |
| 2025 | $10,022.00 (+2.76%) | $794,100 (+1.78%) Land $261,700 Building $532,400 | |
| 2024 | $9,753.00 (+6.25%) | $780,200 (+9.13%) Land $247,800 Building $532,400 | |
| 2023 | $9,179.00 | $714,900 Land $220,000 Building $494,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 38 Harding Ter in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · 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 | 2 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.
The area around 38 Harding Ter has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEDHAM WESTWOOD WATER DIST. serves 41,630 people · EPA ID MA3073000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Apr 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 475 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Netafy Fixed Wireless | 150 / 150 |
| T-Mobile Fixed Wireless | 100 / 20 |
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