4 Harbor Light Dr, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Residential Vacant Land
Lot Size	1.08 acres (47,412 sqft)
Owner	Individual Name on File
Last Sale	$550,000 (Jun 2025)
Tax Bill	$1,958 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:114 P:S1-5`

Property Details

APN / Parcel Number

Primary APN	`HARW M:114 P:S1-5`
Alternative APNs	`M:00114 B:S001 L:005` `24226`

Exterior

Lot Area	47,412 sqft (1.08 acres)

Location & Zoning

Account Number	24226
Street Address	4 HARBOR LIGHT DR
City	HARWICH
State	MA
Zip	02645-1579
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1011
Census Tract	11100

Owner

4 Harbor Light Dr, residential vacant land, is owned by an individual who bought it in June 2025.

Source: Barnstable County and Harwich Town records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	65 RIVERSIDE DR, WEST HARWICH, MA 02671-1512
Owner Type	Individual
Vesting	Individual(s)

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
Aug 21, 2026	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Dec 18, 2025	Deed of Trust, Mortgage · Conventional Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Jun 3, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2025 · Amount on File
Deed Sale	Jun 3, 2025 · Amount on File
Prior Sale	Oct 19, 2009 · Amount on File
Deed Document Number	20251524163
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Recording Date	Aug 21, 2026
Property Address	4 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Document Number	0001549893
Instrument Date	Aug 21, 2026
Instrument	20261549893
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 HARBOR LIGHT DR, HARWICH, MA 02645-1579

Mortgage

Document Number	0001549893,
Date	Aug 21, 2026
Instrument	20261549893

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	4 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00015360-1
Date	Dec 18, 2025
Book Page	15360/1

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.24%
Type Change Date	Jan 1, 2033
Index	Other

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jun 3, 2025
Property Address	4 HARBOR LIGHT DR, HARWICH, MA 02645-1579
Document Number	0001524163
Instrument Date	Jun 3, 2025
Instrument	1524163
Transaction Type	Transfer
Record Updated	Nov 19, 2025

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
Address	65 RIVERSIDE DR, WEST HARWICH, MA 02671-1512

Mortgage

Document Number	0001524164
Date	Jun 3, 2025
Instrument	1524164

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Type Change Date	Jul 1, 2028
Max Rate At Change	3%
Index	Other
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 4 Harbor Light Dr was $1,958, up 3.9% 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
2025	$1,958.00 (+3.93%)	$331,300 (+6.02%) Land $331,300
2024	$1,884.00 (-0.11%)	$312,500 (+1%) Land $312,500
2023	$1,886.00	$284,100 Land $284,100

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 4 Harbor Light Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Winter Coastal Storm, Dec 1992 · 2 claims

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 Harbor Light 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 93 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

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