48 Derby Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 48 Derby Ln, Harwich, MA 02645

Property Summary

Property Type	Duplex
Details	5 bd · 5.5 ba · 3,448 sqft · built 1972
Lot Size	1.65 acres (71,874 sqft)
Owner	Individual Name on File
Last Sale	$1,150,000 (Mar 2022)
Tax Bill	$7,276 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Apr 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`HARW M:65 P:P2-13`

Property Details

APN / Parcel Number

Primary APN	`HARW M:65 P:P2-13`
Alternative APNs	`M:00065 B:P002 L:013` `21404`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,448 sqft Living Area
Gross Area	8,047 sqft
1st Floor Area	2,440 sqft
Attic	Attic
Attic Area	504 sqft
Basement Area	1,836 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	71,874 sqft (1.65 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	21404
Street Address	48 DERBY LN
City	HARWICH
State	MA
Zip	02645-1656
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	4
Census Block	4026
Census Tract	11002

Owner

48 Derby Ln, a duplex, is owned and occupied by an individual who bought it in March 2022.

Source: Barnstable County and Harwich Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	48 DERBY LN, HARWICH, MA 02645-1656
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 7, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Apr 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2022 · Amount on File
Deed Sale	Mar 7, 2022 · Amount on File
Prior Sale	Aug 24, 2015 · Amount on File
Deed Book / Page	34956 / 246
Record Updated	Oct 29, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Mar 7, 2022
Property Address	48 DERBY LN, HARWICH, MA 02645-1656
Document Number	034956-246
Book / Page	34956 / 246
Instrument Date	Mar 7, 2022
Instrument	12105
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 DERBY LN, HARWICH, MA 02645-1656

Mortgage

Document Number	0000012106
Date	Mar 7, 2022
Instrument	12106

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	48 DERBY LN, HARWICH, MA 02645-1656
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	31965-216
Date	Apr 22, 2019
Book Page	31965/216
Instrument	17438

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

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 48 Derby Ln was $7,276, up 3% from the year before.

Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Barnstable County
County Subdivision	Harwich Town
Unified School District	Monomoy Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,276.00 (+3.02%)	$1,231,200 (+5.11%) Land $346,900 Building $884,300	$1,019,172
2024	$7,063.00 (+4.44%)	$1,171,300 (+15%) Land $327,200 Building $844,100
2023	$6,763.00	$1,018,500 Land $297,500 Building $721,000

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

Flood

FEMA maps place 48 Derby Ln 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

Wildfire risk around 48 Derby Ln 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.

Drinking Water

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

Violations Reported to EPA

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.

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)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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