Barnstable County and Harwich Town property record for 657 Main St, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,838 sqft · built 1915 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600,000 (Nov 2018) |
| Tax Bill | $4,671 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:40 P:F4 |
| Primary APN | HARW M:40 P:F4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,838 sqft Living Area |
| Gross Area | 3,169 sqft |
| 1st Floor Area | 1,434 sqft |
| Attic | Attic |
| Attic Area | 144 sqft |
| Basement Area | 437 sqft |
| Unfinished Basement | 437 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,314 sqft (0.65 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 4182 |
|---|---|
| Street Address | 657 MAIN ST |
| City | HARWICH |
| State | MA |
| Zip | 02645-2629 |
| 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 | 1008 |
| Census Tract | 11002 |
657 Main St is owned and occupied by two individuals who bought it in November 2018.
Source: Barnstable County and Harwich Town records, as of October 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 657 MAIN ST, HARWICH, MA 02645-2629 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · ARM SEAMENS BANK |
| Nov 7, 2018 | Quit Claim Deed, Transfer CAPE COD FIVE CENTS SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2018 · Amount on File |
| Deed Sale | Nov 7, 2018 · Amount on File |
| Prior Sale | Jun 2, 2003 · Amount on File |
| Deed Document Number | 201855551 |
| Deed Book / Page | 31650 / 50 |
| Transfer Doc | 0031650-50 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Jul 7, 2026 |
| Property Address | 657 MAIN ST, HARWICH, MA 02645-2629 |
| Document Number | 0000027411 |
| Book / Page | 37727 / 96 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 202627411 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 657 MAIN ST, HARWICH, MA 02645-2629 |
| Document Number | 0000027411, |
|---|---|
| Date | Jul 7, 2026 |
| Book Page | 37727/96 |
| Instrument | 202627411 |
| Name | SEAMENS BANK |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Type Change Date | Aug 1, 2033 |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | HARWICH MA |
| Recording Date | Nov 7, 2018 |
| Property Address | 657 MAIN ST, HARWICH, MA 02645-2629 |
| Document Number | 31650-50 |
| Book / Page | 031650 / 000050 |
| Instrument Date | Oct 31, 2018 |
| Instrument | 55551 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,420.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 657 MAIN ST HARWICH MA 026452629, HARWICH, MA 02645-2629 |
| Document Number | 31650-52 |
|---|---|
| Date | Nov 7, 2018 |
| Book Page | 031650/000052 |
| Instrument | 55552 |
| Name | CAPE COD FIVE CENTS SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Nov 6, 2048 |
| Rate | 3.75% |
|---|
The 2025 property tax bill for 657 Main St was $4,671, up 2.9% from the year before.
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,671.00 (+2.89%) | $790,300 (+4.97%) Land $204,800 Building $585,500 | $871,815 |
| 2024 | $4,540.00 (+4.68%) | $752,900 (+15.26%) Land $193,200 Building $559,700 | |
| 2023 | $4,337.00 | $653,200 Land $175,700 Building $477,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 657 Main St in Zone X, an area of minimal flood risk.
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 File 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 risk around 657 Main St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
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 |
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