643 Main St, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 643 Main St, Harwich, MA 02645

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	5 bd · 3 ba · 2,872 sqft · built 1919
Lot Size	1.43 acres (62,291 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jul 2001)
Tax Bill	$5,599 (2025)
Deeds & Mortgages	Apr 2019 Mortgage Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:40 P:E4`

Property Details

APN / Parcel Number

Primary APN	`HARW M:40 P:E4`
Alternative APNs	`M:00040 B:E004 L:000` `4176`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,872 sqft Total Area
Gross Area	7,860 sqft
1st Floor Area	2,200 sqft
Basement Area	2,200 sqft
Unfinished Basement	2,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1980
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	62,291 sqft (1.43 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4176
Street Address	643 MAIN ST
City	HARWICH
State	MA
Zip	02645-2629
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1008
Census Tract	11002

Owner

Source: Barnstable County and Harwich Town records, as of July 29, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	643 MAIN ST, HARWICH, MA 02645-2629
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage ROCKLAND TR
Aug 8, 2017	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2001 · Amount on Record
Deed Sale	Jul 10, 2001 · Amount on Record
Deed Book / Page	14027 / 220
Record Updated	Sep 20, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	643 MAIN ST, HARWICH, MA 02645-2629
Document Number	31946-14
Instrument Date	Apr 6, 2019
Transaction Type	Mortgage
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 MAIN ST HARWICH MA 026452629, HARWICH, MA 02645-2629

Mortgage

Document Number	31946-14
Date	Apr 11, 2019
Book Page	031946/000014
Instrument	15906

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	643 MAIN ST, HARWICH, MA 02645-2629
Document Number	30750-154
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30750-154
Date	Sep 7, 2017
Book Page	030750/000154
Instrument	45522

Lender

Name	ROCKLAND TR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Aug 8, 2017
Property Address	643 MAIN ST, HARWICH, MA 02645-2629
Document Number	30686-241
Book / Page	030686 / 000241
Instrument Date	Aug 7, 2017
Instrument	40119
Transaction Type	Transfer
Record Updated	Aug 29, 2017
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	643 MAIN ST HARWICH MA 026452629, HARWICH, MA 02645-2629

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	$5,599.00 (+5.92%)	$947,300 (+8.07%) Land $272,600 Building $674,700	$1,064,190
2024	$5,286.00 (+3.5%)	$876,600 (+13.98%) Land $231,500 Building $645,100
2023	$5,107.00	$769,100 Land $210,400 Building $558,700

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 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 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 99.1% of the US · lower than 98.7% 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 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

643 Main St, Harwich, MA 02645 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

August 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2017: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Main St

Nearby Streets

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