4 Waters Edge, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 4 Waters Edge, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,042 sqft · built 2001
Lot Size	1.49 acres (65,271 sqft)
Owner	2 Trust Names on Record
Last Sale	$1,427,500 (Jan 2017)
Tax Bill	$16,164 (2025)
Deeds & Mortgages	May 2020 Transfer Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:104 P:N6-2`

Property Details

APN / Parcel Number

Primary APN	`HARW M:104 P:N6-2`
Alternative APNs	`M:00104 B:N006 L:002` `20691`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,042 sqft Living Area
Gross Area	8,821 sqft
1st Floor Area	2,069 sqft
Attic	Attic
Attic Area	332 sqft
Basement Area	3,669 sqft
Unfinished Basement	2,069 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2015
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,271 sqft (1.49 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	20691
Street Address	4 WATERS EDGE
City	HARWICH
State	MA
Zip	02645-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	3
Census Block	3001
Census Tract	11100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Trust Names on Record
Mailing Address	621 E 1ST ST, B6, SOUTH BOSTON, MA 02127-4839
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 31, 2017	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2017 · Amount on Record
Deed Sale	Jan 31, 2017 · Amount on Record
Deed Book / Page	30272 / 61
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	May 26, 2020
Property Address	4 WATERS EDGE, HARWICH, MA 02645-1250
Document Number	32934-60
Book / Page	032934 / 000060
Instrument Date	May 19, 2020
Instrument	24884
Transaction Type	Transfer
Record Updated	Jun 9, 2020
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
Relationship	Living Trust
Address	621 E 1TH ST #B6 SOUTH BOSTON MA 02127, B6, SOUTH BOSTON, MA 02127

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jan 31, 2017
Property Address	4 WATERS EDGE, HARWICH, MA 02645-1250
Document Number	30272-61
Book / Page	30272 / 61
Instrument	5473
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	302720068
Date	Jan 31, 2017
Instrument	30272/0068

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jan 31, 2047

Interest

Rate	2.63%
Max Rate At Change	20.1%
Max Rate	2.75%

Tax Assessment & Valuation

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	$16,164.00 (+6.7%)	$2,735,000 (+8.87%) Land $1,124,300 Building $1,610,700	$2,097,790
2024	$15,149.00 (+2.89%)	$2,512,200 (+13.29%) Land $1,060,600 Building $1,451,600
2023	$14,724.00	$2,217,500 Land $964,200 Building $1,253,300

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 October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
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 99.1% of the US · lower than 98.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Waters Edge

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