Worcester County and Harvard Town property record for 46 Prospect Hill Rd, Harvard, MA 01451 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,827 sqft · built 2010 |
| Lot Size | 3.95 acres (172,062 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Jan 2010) |
| Tax Bill | $20,512 (2025) |
| Deeds & Mortgages | Dec 2020 Refinance May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARV M:11 B:23 |
| Primary APN | HARV M:11 B:23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,827 sqft Living Area |
| Gross Area | 7,069 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 172,062 sqft (3.95 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1250110002300000 |
|---|---|
| Street Address | 46 PROSPECT HILL RD |
| City | HARVARD |
| State | MA |
| Zip | 01451-1301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 23 |
| Jurisdiction | HARVARD MA |
| Township / Civil Division | HARVARD |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 761401 |
Source: Worcester County and Harvard Town records · APN HARV M:11 B:23
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 | 46 PROSPECT HILL RD, HARVARD, MA 01451-1301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 22, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC |
| May 09, 2019 | Deed of Trust, Mortgage · Conventional Mortgage WORKERS CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 22, 2010 · Amount on Record |
| Deed Sale | Jan 22, 2010 · Amount on Record |
| Deed Document Number | 20107700 |
| Deed Book / Page | 45381 / 98 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 46 PROSPECT HILL RD, HARVARD, MA 01451-1301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 64048-116 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 64048/116 |
| Instrument | 159980 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 46 PROSPECT HILL RD, HARVARD, MA 01451-1301 |
| Document Number | 60401-357 |
| Instrument Date | May 09, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 46 PROSPECT HILL RD HARVARD MA 014511301, HARVARD, MA 01451-1301 |
| Document Number | 60401-357 |
|---|---|
| Date | May 14, 2019 |
| Book Page | 060401/000357 |
| Instrument | 43073 |
| Name | WORKERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 13, 2034 |
Source: Worcester County and Harvard Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Harvard Town |
| Unified School District | Harvard School District (PK - 12) |
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 | $20,512.00 (+6.11%) | $1,310,700 (+1.03%) Land $343,100 Building $967,600 | |
| 2024 | $19,330.00 (-0.18%) | $1,297,300 (+11.28%) Land $329,700 Building $967,600 | $1,315,465 |
| 2023 | $19,364.00 | $1,165,800 Land $294,300 Building $871,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 32% of the US · above 98% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 5,263 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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