Barnstable County and Harwich Town property record for 469 Main St, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,138 sqft · built 1997 |
| Lot Size | 1.04 acres (45,302 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $365,000 (Jan 2008) |
| Tax Bill | $4,694 (2025) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:48 P:N16 |
| Primary APN | HARW M:48 P:N16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,138 sqft Living Area |
| Gross Area | 4,070 sqft |
| 1st Floor Area | 1,514 sqft |
| Basement Area | 1,190 sqft |
| Unfinished Basement | 1,190 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,302 sqft (1.04 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 20744 |
|---|---|
| Street Address | 469 MAIN ST |
| City | HARWICH |
| State | MA |
| Zip | 02645-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 11002 |
469 Main St is owned and occupied by two individuals who bought it in January 2008.
Source: Barnstable County and Harwich Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 469 MAIN ST, HARWICH, MA 02645-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WATERMARK CAPITAL INC |
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance WATERMARK CAPITAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 29, 2008 · Amount on File |
| Deed Sale | Jan 29, 2008 · Amount on File |
| Prior Sale | Jan 29, 2008 · Amount on File |
| Deed Book / Page | 22633 / 240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 469 MAIN ST, HARWICH, MA 02645-2414 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0034495-30 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 34495/30 |
| Instrument | 61974 |
| Name | WATERMARK CAPITAL INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 469 MAIN ST, HARWICH, MA 02645-2414 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 34495-30 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 34495/30 |
| Instrument | 61974 |
| Name | WATERMARK CAPITAL INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
The 2025 property tax bill for 469 Main St was $4,694, up 5.7% from the year before.
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,694.00 (+5.72%) | $794,200 (+7.85%) Land $198,000 Building $596,200 | $941,725 |
| 2024 | $4,440.00 (+4.1%) | $736,400 (+14.65%) Land $186,800 Building $549,600 | |
| 2023 | $4,265.00 | $642,300 Land $169,800 Building $472,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 469 Main St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 1, 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 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 risk around 469 Main St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HARWICH WATER DEPARTMENT serves 39,144 people · EPA ID MA4126000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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