55 Smith St, West Harwich, MA 02671 Property Records

Barnstable County and Harwich Town property record for 55 Smith St, West Harwich, MA 02671

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$639,000 (May 2019)
Tax Bill	$5,083 (2025)
Deeds & Mortgages	Aug 2018 Line of Credit May 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`HARW M:10 P:J2`

Property Details

APN / Parcel Number

Primary APN	`HARW M:10 P:J2`
Alternative APNs	`M:00010 B:J002 L:000` `1282`

Exterior

Lot Area	32,670 sqft (0.75 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Location & Zoning

Account Number	1282
Street Address	55 SMITH ST
City	WEST HARWICH
State	MA
Zip	02671-1109
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Local Zoning Code	R
Legal Subdivision	CAPE CROSSROAD CONDO
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2028
Census Tract	11002

Owner

Source: Barnstable County and Harwich Town records, as of July 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 Record
Mailing Address	48 IRETA RD, SHREWSBURY, MA 01545-1713
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
May 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CENTRAL ONE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on Record
Deed Sale	May 20, 2019 · Amount on Record
Prior Sale	Jan 16, 2008 · Amount on Record
Deed Document Number	201922734
Deed Book / Page	32031 / 55
Prior Transfer Date	May 13, 2019
Prior Transfer Doc	32031-55
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	55 SMITH ST, WEST HARWICH, MA 02671-1109
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	031485-141
Date	Aug 24, 2018
Book Page	31485/141
Instrument	41507

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	May 20, 2019
Property Address	55 SMITH ST, WEST HARWICH, MA 02671-1109
Document Number	0032031-55
Book / Page	32031 / 55
Instrument Date	May 13, 2019
Instrument	22734
Transaction Type	Transfer
Record Updated	Mar 21, 2022

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	48 IRETA RD, SHREWSBURY, MA 01545-1713

Mortgage

Document Number	0000022735
Date	May 20, 2019
Instrument	22735

Lender

Name	CENTRAL ONE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Jun 1, 2029

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	$5,083.00 (+2.94%)	$860,100 (+5.03%) Land $212,700 Building $647,400	$884,830
2024	$4,938.00 (+3.74%)	$818,900 (+14.24%) Land $200,700 Building $618,200
2023	$4,760.00	$716,800 Land $182,400 Building $534,400

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 51 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	51 in force
Nearby Flood Claims	8 (1978–2018)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Mar 2018 · tidal / storm surge

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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