40 Mello Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 40 Mello Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,544 sqft · built 1971
Lot Size	0.469 acres (20,441 sqft)
Owner	2 Company Names on Record
Last Sale	$370,000 (Apr 2019)
Tax Bill	$3,594 (2025)
Deeds & Mortgages	Sep 2025 Transfer Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:42 P:E2-6`

Property Details

APN / Parcel Number

Primary APN	`HARW M:42 P:E2-6`
Alternative APNs	`M:00042 B:E002 L:006` `4454`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	1,544 sqft
Basement Area	1,448 sqft
Unfinished Basement	1,448 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,441 sqft (0.469 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	4454
Street Address	40 MELLO LN
City	HARWICH
State	MA
Zip	02645-3102
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	2018
Census Tract	11200

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	36 WHIG ST, DENNIS, MA 02638-1921
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 7, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage SOUTH MIDDLESEX OPPORTUNITY CO
Apr 30, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Prior Sale	Apr 30, 1982 · Amount on Record
Deed Book / Page	31989 / 114
Record Updated	Oct 29, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Sep 22, 2025
Property Address	40 MELLO LN, HARWICH, MA 02645-3102
Document Number	037197-148
Book / Page	37197 / 148
Instrument Date	Sep 8, 2025
Instrument	38464
Transaction Type	Transfer
Record Updated	Oct 15, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 WHIG ST, DENNIS, MA 02638-1921

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	40 MELLO LN, HARWICH, MA 02645-3102
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33341-55
Date	Oct 7, 2020
Book Page	33341/55
Instrument	54452

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	40 MELLO LN, HARWICH, MA 02645-3102
Document Number	32520-191
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 MELLO LN HARWICH MA 026453102, HARWICH, MA 02645-3102

Mortgage

Document Number	32520-191
Date	Dec 5, 2019
Book Page	032520/000191
Instrument	61558

Lender

Name	SOUTH MIDDLESEX OPPORTUNITY CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Apr 30, 2019
Property Address	40 MELLO LN, HARWICH, MA 02645-3102
Document Number	31989-114
Book / Page	31989 / 114
Instrument Date	Apr 30, 2019
Instrument	19281
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	36 WHIG ST, DENNIS, MA 02638-1921

Mortgage

Document Number	19282
Date	Apr 30, 2019
Instrument	19282

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$3,594.00 (+2.98%)	$608,100 (+5.08%) Land $213,200 Building $394,900	$768,835
2024	$3,490.00 (+3.56%)	$578,700 (+14.01%) Land $201,100 Building $377,600
2023	$3,370.00	$507,600 Land $182,900 Building $324,700

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · rainfall accumulation

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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