Norfolk County and Dedham Town property record for 40 Harding Ter, Dedham, MA 02026
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,664 sqft · built 1890 |
| Lot Size | 0.149 acres (6,495 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $404,500 (Mar 2014) |
| Tax Bill | $9,144 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Mar 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | DEDH M:0097 L:0048 |
| Primary APN | DEDH M:0097 L:0048 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,664 sqft Living Area |
| Gross Area | 4,028 sqft |
| 1st Floor Area | 1,300 sqft |
| Basement Area | 1,264 sqft |
| Unfinished Basement | 640 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Flat |
| Roof Material | Tar & Gravel |
| Lot Area | 6,495 sqft (0.149 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 40 HARDING TER |
|---|---|
| City | DEDHAM |
| State | MA |
| Zip | 02026-0007 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | B |
| Legal Lot Number | 48 |
| Jurisdiction | DEDHAM MA |
| Township / Civil Division | DEDHAM |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 402102 |
Source: Norfolk County and Dedham Town records · APN DEDH M:0097 L:0048
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 HARDING TER, DEDHAM, MA 02026-0007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 26, 2021 | Deed of Trust, Mortgage · ARM HARVARD UNIVERSITY CREDIT UNION |
| Mar 21, 2018 | Deed of Trust, Mortgage · Conventional with PMI HARVARD UNIV CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 14, 2014 · Amount on Record |
| Deed Sale | Mar 14, 2014 · Amount on Record |
| Prior Sale | Apr 15, 1999 · Amount on Record |
| Deed Book / Page | 32121 / 6 |
| Transfer Doc | 32076-212 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEDHAM MA |
| Property Address | 40 HARDING TER, DEDHAM, MA 02026-0007 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0039441-27 |
|---|---|
| Date | May 26, 2021 |
| Book Page | 39441/27 |
| Instrument | 69039 |
| Name | HARVARD UNIVERSITY CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Jun 01, 2031 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEDHAM MA |
| Property Address | 40 HARDING TER, DEDHAM, MA 02026-0007 |
| Document Number | 35870-204 |
| Instrument Date | Mar 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 35870-204 |
|---|---|
| Date | Mar 26, 2018 |
| Book Page | 035870/000204 |
| Instrument | 22540 |
| Name | HARVARD UNIV CU |
|---|---|
| Type | Credit Union |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2048 |
Source: Norfolk County and Dedham Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Norfolk County |
| County Subdivision | Dedham Town |
| Unified School District | Dedham School District (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,144.00 (+2.94%) | $724,600 (+1.97%) Land $262,500 Building $462,100 |
| 2024 | $8,883.00 (+6.51%) | $710,600 (+9.41%) Land $248,500 Building $462,100 |
| 2023 | $8,340.00 | $649,500 Land $220,600 Building $428,900 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 2,000 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| Netafy Fixed Wireless | 150 / 150 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 475 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DEDHAM WESTWOOD WATER DIST. serves 41,630 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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