45 S Shaker Rd, Harvard, MA 01451 Property Records

Worcester County and Harvard Town property record for 45 S Shaker Rd, Harvard, MA 01451

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,597 sqft · built 1987
Lot Size	5.53 acres (240,887 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Sep 2026)
Tax Bill	$17,123 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARV M:5 B:89 L:1-1`

Property Details

APN / Parcel Number

Primary APN	`HARV M:5 B:89 L:1-1`
Alternative APNs	`M:005.0 P:0089-0001.1` `1250050008900011`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,597 sqft Living Area
Gross Area	7,871 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	240,887 sqft (5.53 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1250050008900011
Street Address	45 S SHAKER RD
City	HARVARD
State	MA
Zip	01451-1206
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HARVARD
Legal Block	89
Legal Lot Number	1-1
Jurisdiction	HARVARD MA
Township / Civil Division	HARVARD
Census Block Group	1
Census Block	1008
Census Tract	761402

Owner

45 S Shaker Rd is owned and occupied by two individuals who bought it in September 2026.

Source: Worcester County and Harvard Town records, as of October 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 S SHAKER RD, HARVARD, MA 01451-1206
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Apr 29, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on File
Deed Sale	Sep 16, 2026 · Amount on File
Prior Sale	Jun 25, 2012 · Amount on File
Deed Document Number	202681297
Deed Book / Page	74177 / 43
Prior Transfer Date	Sep 9, 2026
Prior Transfer Doc	0000081297
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Recording Date	Sep 16, 2026
Property Address	45 S SHAKER RD, HARVARD, MA 01451-1206
Document Number	0000081298
Book / Page	74177 / 47
Instrument Date	Sep 9, 2026
Instrument	202681298
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 S SHAKER RD, HARVARD, MA 01451-1206

Mortgage

Document Number	0000081298,
Date	Sep 16, 2026
Book Page	74177/47
Instrument	202681298

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Oct 1, 2046

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Sep 16, 2026
Property Address	45 S SHAKER RD, HARVARD, MA 01451-1206
Document Number	0000081297
Book / Page	74177 / 43
Instrument Date	Sep 9, 2026
Instrument	202681297
Transaction Type	Transfer
Record Updated	Oct 6, 2026

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	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 S SHAKER RD, HARVARD, MA 01451-1206

Mortgage

Date	Sep 16, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARVARD MA
Property Address	45 S SHAKER RD, HARVARD, MA 01451-1206
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	63552-357
Date	Oct 21, 2020
Book Page	63552/357
Instrument	125826

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARVARD MA
Recording Date	Apr 29, 2019
Property Address	45 S SHAKER RD, HARVARD, MA 01451-1206
Document Number	60332-66
Book / Page	60332 / 66
Instrument Date	Apr 20, 2019
Instrument	37636
Transaction Type	Transfer
Record Updated	May 12, 2021

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 S SHAKER RD, HARVARD, MA 01451-1206

Mortgage

Document Number	60332-71
Date	Apr 29, 2019
Book Page	60332/71
Instrument	37637

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 45 S Shaker Rd was $17,123, up 7% from the year before.

Source: Worcester County and Harvard Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$17,123.00 (+7.04%)	$1,094,100 (+1.91%) Land $329,500 Building $764,600
2024	$15,997.00 (+0.92%)	$1,073,600 (+12.5%) Land $329,500 Building $744,100	$1,172,680
2023	$15,851.00	$954,300 Land $309,600 Building $644,700

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

Flood

FEMA maps place 45 S Shaker Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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 S Shaker Rd is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 98.2% of Massachusetts
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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