41 Mello Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 41 Mello Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,688 sqft · built 1999
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on File
Last Sale	$490,000 (Dec 2014)
Tax Bill	$5,984 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:42 P:E3-1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:42 P:E3-1`
Alternative APNs	`M:00042 B:E003 L:001` `21392`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	4,749 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,946 sqft (0.94 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	21392
Street Address	41 MELLO LN
City	HARWICH
State	MA
Zip	02645-3101
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	JOHN T WILCOX JR
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2018
Census Tract	11200

Owner

41 Mello Ln is owned and occupied by two individuals who bought it in December 2014.

Source: Barnstable County and Harwich Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	41 MELLO LN, HARWICH, MA 02645-3101
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 21, 2017	Deed of Trust, Mortgage CAPE COD COOPERATIVE BANK
Dec 6, 2018	Deed of Trust, Mortgage · Balloon Mortgage CAPE COD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 19, 2014 · Amount on File
Deed Sale	Dec 19, 2014 · Amount on File
Prior Sale	Feb 15, 2011 · Amount on File
Deed Document Number	201459389
Deed Book / Page	28587 / 223
Transfer Doc	23482-201
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	41 MELLO LN, HARWICH, MA 02645-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30914-85
Date	Nov 21, 2017
Book Page	30914/85
Instrument	59671

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2037

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	41 MELLO LN, HARWICH, MA 02645-3101
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31710-193
Date	Dec 6, 2018
Book Page	31710/193
Instrument	60610

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 41 Mello Ln was $5,984, up 3.8% 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	$5,984.00 (+3.82%)	$1,012,500 (+5.92%) Land $261,700 Building $750,800	$1,339,785
2024	$5,764.00 (+5.01%)	$955,900 (+15.63%) Land $246,900 Building $709,000
2023	$5,489.00	$826,700 Land $224,500 Building $602,200

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

Flood

FEMA maps place 41 Mello Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.

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

Wildfire risk around 41 Mello Ln is low, with 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 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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