45 Harvard Rd, Shirley, MA 01464 Property Records

Middlesex County and Shirley Town property record for 45 Harvard Rd, Shirley, MA 01464

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,811 sqft · built 1953
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Jul 2021)
Tax Bill	$5,870 (2026)
Deeds & Mortgages	Sep 2020 Refinance Jul 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SHIR M:0012 B:000C L:00004`

Property Details

APN / Parcel Number

Primary APN	`SHIR M:0012 B:000C L:00004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,811 sqft Living Area
Gross Area	3,487 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,314 sqft (0.65 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	45 HARVARD RD
City	SHIRLEY
State	MA
Zip	01464-2437
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	C
Legal Lot Number	4
Jurisdiction	SHIRLEY MA
Township / Civil Division	SHIRLEY
Census Block Group	2
Census Block	2046
Census Tract	388200

Owner

45 Harvard Rd is owned and occupied by two individuals who bought it in July 2021.

Source: Middlesex County and Shirley Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
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
Sep 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 1, 2021	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP
Mar 18, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Dec 5, 2018	Quit Claim Deed, Transfer · Stand-Alone Refinance VILLAGE MORTGAGE COMPANY
Dec 4, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Deed Book / Page	78156 / 239
Prior Transfer Date	Jun 30, 2021
Prior Transfer Doc	078156-239
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIRLEY MA
Property Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	075678-254
Date	Sep 22, 2020
Book Page	75678/254
Instrument	167387

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIRLEY MA
Recording Date	Jul 1, 2021
Property Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
Document Number	078156-239
Book / Page	78156 / 239
Instrument Date	Jun 30, 2021
Instrument	149563
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Relationship	Tenants by the Entirety
Address	45 HARVARD RD, SHIRLEY, MA 01464-2437

Mortgage

Document Number	0000149564
Date	Jul 1, 2021
Instrument	149564

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHIRLEY MA
Property Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
Document Number	72367-199
Instrument Date	Mar 18, 2019
Transaction Type	Mortgage
Record Updated	Apr 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HARVARD RD SHIRLEY MA 014642437, SHIRLEY, MA 01464-2437

Mortgage

Document Number	72367-199
Date	Mar 22, 2019
Book Page	072367/000199
Instrument	35650

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIRLEY MA
Recording Date	Dec 5, 2018
Property Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
Document Number	071973-116
Book / Page	71973 / 116
Instrument Date	Nov 30, 2018
Instrument	185620
Transaction Type	Transfer
Record Updated	Nov 16, 2022

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	45 HARVARD RD, SHIRLEY, MA 01464-2437

Mortgage

Document Number	071973-120
Date	Dec 5, 2018
Book Page	71973/120
Instrument	185621

Lender

Name	VILLAGE MORTGAGE COMPANY

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHIRLEY MA
Recording Date	Dec 4, 2018
Property Address	45 HARVARD RD, SHIRLEY, MA 01464-2437
Document Number	71964-164
Book / Page	071964 / 000164
Instrument Date	Nov 30, 2018
Instrument	4411
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HARVARD RD SHIRLEY MA 014642437, SHIRLEY, MA 01464-2437

Tax Assessment & Valuation

The 2026 property tax bill for 45 Harvard Rd was $5,870, up 10,382.1% from the year before.

Source: Middlesex County and Shirley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Shirley Town
Unified School District	Ayer-Shirley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,870.00 (+10,382.14%)	$473,800 (+8.42%) Land $151,000 Building $322,800	$503,719 (-1.77%)
2025	$56.00 (-98.96%)	$437,000 (+10.41%) Land $131,600 Building $305,400	$512,810
2024	$5,371.00 (+2.46%)	$395,800 (+7.06%) Land $120,000 Building $275,800
2023	$5,242.00	$369,700 Land $120,000 Building $249,700

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

Flood

FEMA maps place 45 Harvard Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 10, 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	12 (1982–2010)
Claims Outside the SFHA	4 of 12
Most Recent Claim	Mar 2010 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Mar 2010 · 3 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 45 Harvard Rd 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	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	SHIRLEY WATER DISTRICT serves 4,165 people · EPA ID MA2270000
Water Source	Groundwater
Last State Inspection	Sep 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	12 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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

Nearby Properties on Harvard Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures