4 Elm Dr, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 4 Elm Dr, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,632 sqft · built 1974
Lot Size	0.428 acres (18,622 sqft)
Owner	Trust Name on File
Tax Bill	$3,745 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:112 P:A3-1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:112 P:A3-1`
Alternative APNs	`M:00112 B:A003 L:001` `11053`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,632 sqft Living Area
Gross Area	2,996 sqft
1st Floor Area	1,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2000
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,622 sqft (0.428 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11053
Street Address	4 ELM DR
City	HARWICH
State	MA
Zip	02645-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2012
Census Tract	11100

Owner

4 Elm Dr is owner-occupied and held in a trust since July 2018.

Source: Barnstable County and Harwich Town records, as of July 20, 2026

Owner of Record	Trust Name on File
Mailing Address	4 ELM DR, HARWICH, MA 02645-1339
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jul 27, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage PAMELA HAYDEN
Dec 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2018
Deed Sale	Jul 27, 2018
Prior Sale	Dec 18, 1995 · Amount on File
Deed Document Number	201836681
Deed Book / Page	31431 / 264
Transfer Doc	31431-264
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 ELM DR, HARWICH, MA 02645-1339
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034735-303
Date	Dec 10, 2021
Book Page	34735/303
Instrument	80225

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2047

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jul 27, 2018
Property Address	4 ELM DR, HARWICH, MA 02645-1339
Document Number	31431-264
Book / Page	031431 / 000264
Instrument Date	Jul 18, 2018
Instrument	36681
Transaction Type	Transfer
Record Updated	Aug 14, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 ELM DR HARWICH MA 026451339, HARWICH, MA 02645-1339

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 ELM DR, HARWICH, MA 02645-1339
Document Number	31431-267
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 FAN DR HARWICH MA 02645, HARWICH, MA 02645

Mortgage

Document Number	31431-267
Date	Jul 27, 2018
Book Page	031431/000267
Instrument	36682

Lender

Name	PAMELA HAYDEN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 ELM DR, HARWICH, MA 02645-1339
Document Number	30981-232
Book / Page	030981 / 000232
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30981-232
Date	Dec 22, 2017
Book Page	030981/000232
Instrument	65299

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Dec 21, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 4 Elm Dr was $3,745, up 7.5% from the year before.

Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Harwich Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,745.00 (+7.46%)	$633,700 (+9.64%) Land $211,600 Building $422,100	$636,310
2024	$3,485.00 (+3.81%)	$578,000 (+14.32%) Land $179,600 Building $398,400
2023	$3,357.00	$505,600 Land $163,300 Building $342,300

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

Flood

FEMA maps place 4 Elm Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 1, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 4 Elm Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARWICH WATER DEPARTMENT serves 39,144 people · EPA ID MA4126000
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 182 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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