Barnstable County and Harwich Town property record for 495 Main St, Harwich, MA 02645 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1920 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,995 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:48 P:T5 |
| Primary APN | HARW M:48 P:T5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| Gross Area | 1,423 sqft |
| 1st Floor Area | 924 sqft |
| Basement Area | 231 sqft |
| Unfinished Basement | 231 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9412 |
|---|---|
| Street Address | 495 MAIN ST |
| City | HARWICH |
| State | MA |
| Zip | 02645-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4059 |
| Census Tract | 11002 |
Source: Barnstable County and Harwich Town records · APN HARW M:48 P:T5
Assessment roll updated May 27, 2026 · Last verified July 2026
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 497 MAIN ST, HARWICH, MA 02645-2414 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Barnstable County and Harwich Town records · Assessment roll updated May 27, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional 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 | $1,995.00 (+2.99%) | $337,500 (+5.07%) Land $149,700 Building $187,800 | $481,935 |
| 2024 | $1,937.00 (+2.92%) | $321,200 (+13.3%) Land $141,200 Building $180,000 | |
| 2023 | $1,882.00 | $283,500 Land $128,400 Building $155,100 |
Source: FEMA National Flood Hazard Layer, Barnstable County (25001C), updated October 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250010110024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 2 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 2 in force 1 of 2 on primary residences |
| Wildfire Risk | Low above 20% of the US · above 58% of Massachusetts |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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