53 Lovers Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 53 Lovers Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,132 sqft · built 2001
Lot Size	1.16 acres (50,774 sqft)
Owner	2 Company Names on Record
Last Sale	$1,099,000 (Oct 2025)
Tax Bill	$4,249 (2025)
Deeds & Mortgages	Sep 2023 Refinance Oct 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:41 P:M1-3`

Property Details

APN / Parcel Number

Primary APN	`HARW M:41 P:M1-3`
Alternative APNs	`M:00041 B:M001 L:003` `9266`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,132 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,774 sqft (1.16 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9266
Street Address	53 LOVERS LN
City	HARWICH
State	MA
Zip	02645-3010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1011
Census Tract	11200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	15 PENNSYLVANIA AVE, READING, MA 01867-3852
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD FIVE CENTS SAVINGS BANK
Oct 23, 2025	Quit Claim Deed, Transfer READING COOPERATIVE BANK
Jun 6, 2024	Quit Claim Deed, Transfer
Jul 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
May 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEW PENN FIN'L LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jun 6, 2024 · Amount on Record
Deed Book / Page	37258 / 154
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	035995-144
Date	Sep 22, 2023
Book Page	35995/144
Instrument	37256

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Oct 23, 2025
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Document Number	037258-154
Book / Page	37258 / 154
Instrument Date	Oct 23, 2025
Instrument	43545
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
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	15 PEBBSYLVANIA AVE, READING, MA 01867-3852

Mortgage

Document Number	0000043546
Date	Oct 23, 2025
Instrument	43546

Lender

Name	READING COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Nov 1, 2032
Index	1-Year CMT

June 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jun 6, 2024
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Document Number	036406-114
Book / Page	36406 / 114
Instrument Date	May 24, 2024
Instrument	22111
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	4 MILLBROOK LN, BOLTON, MA 01740-1348

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32171-135
Date	Jul 22, 2019
Book Page	32171/135
Instrument	34407

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32896-202
Date	May 12, 2020
Book Page	32896/202
Instrument	22455

Lender

Name	NEWREZ LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	53 LOVERS LN, HARWICH, MA 02645-3010
Document Number	30899-138
Book / Page	030899 / 000138
Instrument Date	Nov 13, 2017
Transaction Type	Mortgage
Record Updated	Dec 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	30899-138
Date	Nov 15, 2017
Book Page	030899/000138
Instrument	58522

Lender

Name	NEW PENN FIN'L LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2047

Tax Assessment & Valuation

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	$4,249.00 (+6.95%)	$718,900 (+9.12%) Land $266,800 Building $452,100	$1,028,470
2024	$3,973.00 (+4.39%)	$658,800 (+14.93%) Land $227,000 Building $431,800
2023	$3,806.00	$573,200 Land $206,400 Building $366,800

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

Flood

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
Flood Insurance Cost	Premium on Record median of 92 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 units insured incl. 10 condo units
Nearby Flood Claims	2 (1978–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 170 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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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