45 Harvard St, Natick, MA 01760 Property Records

Middlesex County and Natick Town property record for 45 Harvard St, Natick, MA 01760

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,030 sqft · built 1900
Lot Size	0.067 acres (2,914 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Dec 2021)
Tax Bill	$6,562 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`36-00000191`

Property Details

APN / Parcel Number

Primary APN	`36-00000191`
Alternative APN	`NATI M:00000036 P:00000191`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,030 sqft Living Area
1st Floor Area	520 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	2,914 sqft (0.067 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	36-00000191
Street Address	45 HARVARD ST
City	NATICK
State	MA
Zip	01760-3536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RG
Jurisdiction	NATICK MA
Township / Civil Division	NATICK
Census Block Group	3
Census Block	3005
Census Tract	382200

Owner

Source: Middlesex County and Natick Town records, as of April 14, 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 Record
Mailing Address	45 HARVARD ST, NATICK, MA 01760-3536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2021 · Amount on Record
Deed Sale	Dec 29, 2021 · Amount on Record
Prior Sale	Dec 21, 2010 · Amount on Record
Deed Book / Page	79449 / 104
Record Updated	Oct 29, 2026

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NATICK MA
Recording Date	Dec 29, 2021
Property Address	45 HARVARD ST, NATICK, MA 01760-3536
Document Number	079449-104
Book / Page	79449 / 104
Instrument Date	Dec 29, 2021
Instrument	280023
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	45 HARVARD ST, NATICK, MA 01760-3536

Mortgage

Document Number	0000280024
Date	Dec 29, 2021
Instrument	280024

Lender

Name	MSA LENDING LLC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,562.00 (+3.49%)	$548,700 (+6.09%) Land $370,300 Building $178,400	$634,980
2024	$6,341.00 (+3.36%)	$517,200 (+6.55%) Land $349,700 Building $167,500
2023	$6,135.00	$485,400 Land $329,100 Building $156,300

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 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	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2014 · other causes

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	Not rated no burnable land within 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	NATICK WATER AND SEWER DIVISION serves 37,006 people · EPA ID MA3198000
Water Source	Groundwater
Last State Inspection	Aug 2023
Lead	Under 1 ppb (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	1 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 498 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Astound Broadband Cable	1,500 / 50
Verizon Fiber	980 / 880
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20