57 Spruce Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 57 Spruce Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Trust Names on Record
Last Sale	$789,000 (May 2020)
Tax Bill	$6,454 (2025)
Deeds & Mortgages	Mar 2022 Transfer May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:94 P:K1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:94 P:K1`
Alternative APNs	`M:00094 B:K001 L:000` `9833`

Exterior

Lot Area	57,499 sqft (1.32 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Location & Zoning

Account Number	9833
Street Address	57 SPRUCE RD
City	HARWICH
State	MA
Zip	02645-2055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	3
Census Block	3028
Census Tract	11100

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 Trust Names on Record
Mailing Address	57 SPRUCE RD, HARWICH, MA 02645-2055
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Quit Claim Deed, Transfer Quitclaim
May 14, 2020	Condominium Deed, Transfer · Conventional Mortgage TD BK NA
Dec 2, 2017	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2020 · Amount on Record
Deed Sale	May 14, 2020 · Amount on Record
Deed Document Number	20201396106
Record Updated	Sep 20, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Mar 2, 2022
Property Address	57 SPRUCE RD, HARWICH, MA 02645-2055
Document Number	0001453471
Instrument Date	Mar 1, 2022
Instrument	1453471
Transaction Type	Transfer
Record Updated	Mar 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	57 SPRUCE RD, HARWICH, MA 02645-2055

May 2020: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	HARWICH MA
Recording Date	May 14, 2020
Property Address	57 SPRUCE RD, HARWICH, MA 02645-2055
Document Number	0001396106
Instrument Date	May 14, 2020
Instrument	1396106
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,497.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8 WOODSLEY RD WILBRAHAM MA 010951573, WILBRAHAM, MA 01095-1573

Mortgage

Document Number	1396107
Date	May 14, 2020
Instrument	1396107

Lender

Name	TD BK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	57 SPRUCE RD, HARWICH, MA 02645-2055
Document Number	0001336031
Instrument Date	Dec 2, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0001336031
Date	Dec 7, 2017
Instrument	1336031

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 6, 2042

Interest

Rate Type	Adjustable Rate

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	$6,454.00 (+3.2%)	$1,092,100 (+5.3%) Land $526,800 Building $565,300	$1,202,795
2024	$6,254.00 (+3.47%)	$1,037,100 (+13.93%) Land $497,000 Building $540,100
2023	$6,044.00	$910,300 Land $451,800 Building $458,500

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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