45 Prospect Hill Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 45 Prospect Hill Rd, Harvard, MA 01451 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 1997
Square Footage	2,478 sqft Living Area
Lot Size	202,554 sqft (4.65 acres)
Occupancy	Owner Occupied
Last Sale	$445,000 (1998)
Tax Bill	$14,447.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`HARV M:11 B:17`
Alternative APNs	`M:011.0 P:0017-0000.0` `1250110001700000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	9 Rooms
Building Area	2,478 sqft Living Area
Gross Area	4,425 sqft Gross Area
Basement Area	1,520 sqft Basement
Unfinished Basement	1,520 sqft Unfinished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Contemporary Style
Exterior Material	Wood Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	202,554 sqft (4.65 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Account Number	1250110001700000
Street Address	45 PROSPECT HILL RD
City	HARVARD
State	MA
Zip	01451-1303
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	17
Jurisdiction	HARVARD MA
Minor Civil Division	HARVARD
Census Blockgroup	2
Census Block	2009
Census Tract	761401

Owner

Source: Worcester County and Harvard Town records · APN HARV M:11 B:17

Assessment roll updated April 14, 2026 · Last verified April 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	45 PROSPECT HILL RD, HARVARD, MA 01451-1303
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 07, 1998 · Amount on Record
Deed Sale	May 07, 1998 · Amount on Record
Deed Book / Page	19917 / 364
Record Refreshed	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	45 PROSPECT HILL RD, HARVARD, MA 01451-1303
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65985-346
Date	Sep 03, 2021
Book Page	65985/346
Instrument	124338

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2046

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Worcester County and Harvard Town records · Assessment roll updated April 14, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Harvard Town
Unified School District	Harvard School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,447.00 (+2.58%)	$923,100 (-2.34%) Land $365,900 Building $557,200
2024	$14,083.00 (+4.08%)	$945,200 (+16.03%) Land $352,500 Building $592,700	$1,332,090
2023	$13,531.00	$814,600 Land $317,100 Building $497,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Worcester County (25027C), updated November 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 99% of Massachusetts
Wildfire Likelihood	About 1 in 5,263 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.