73R Ruggles Hill Rd, Hardwick, MA 01037 Property Records

Worcester County and Hardwick Town property record for 73R Ruggles Hill Rd, Hardwick, MA 01037

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,192 sqft · built 1989
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Aug 2024)
Tax Bill	$5,942 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Apr 2022 Sale & Mortgage
APN	`1230-00010`

Property Details

APN / Parcel Number

Primary APN	`1230-00010`
Alternative APNs	`HARD M:1230 B:0000 L:0001-0` `M:1240 B:0000 L:0001-0`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,192 sqft Living Area
Gross Area	4,632 sqft
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic

Location & Zoning

Account Number	1230-00010
Street Address	73R RUGGLES HILL RD
City	HARDWICK
State	MA
Zip	01037
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	V
Legal Lot Number	1-0
Jurisdiction	HARDWICK MA
Township / Civil Division	HARDWICK
Census Block Group	1
Census Block	1048
Census Tract	723100

Owner

73R Ruggles Hill Rd is owned by two individuals who bought it in August 2024.

Source: Worcester County and Hardwick Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	73 RUGGLES HILL RD, HARDWICK, MA 01037-9793
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2024	Quit Claim Deed, Transfer · FHA Mortgage NFM LENDING
Apr 11, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2024 · Amount on File
Deed Sale	Aug 23, 2024 · Amount on File
Prior Sale	Apr 11, 2022 · Amount on File
Deed Book / Page	70933 / 36
Record Updated	Oct 29, 2026

August 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Aug 23, 2024
Property Address	73R RUGGLES HILL RD, HARDWICK, MA 01037-9793
Document Number	0070933-36
Book / Page	70933 / 36
Instrument Date	Aug 23, 2024
Instrument	68202
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	73 RUGGLES HILL RD, HARDWICK, MA 01037-9793

Mortgage

Document Number	0000068203
Date	Aug 23, 2024
Instrument	68203

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARDWICK MA
Recording Date	Apr 11, 2022
Property Address	73R RUGGLES HILL RD, HARDWICK, MA 01037-9793
Document Number	067415-149
Book / Page	67415 / 149
Instrument Date	Apr 11, 2022
Instrument	39757
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	73 RUGGLES HILL RD, HARDWICK, MA 01037-9793

Mortgage

Document Number	0000039758
Date	Apr 11, 2022
Instrument	39758

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 73R Ruggles Hill Rd was $5,942, up 4.2% from the year before.

Source: Worcester County and Hardwick Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Hardwick Town
Unified School District	Quabbin School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,942.00 (+4.19%)	$451,900 (-) Land $46,200 Building $405,700	$494,475 (+0.6%)
2024	$5,703.00 (-3.08%)	$451,900 (+2.15%) Land $46,200 Building $405,700	$491,530
2023	$5,884.00	$442,400 Land $44,200 Building $398,200

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

Flood

FEMA's flood maps do not cover 73R Ruggles Hill Rd; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 73R Ruggles Hill Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARDWICK CENTER WATER DISTRICT serves 80 people · EPA ID MA1124000
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	16 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 40 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

4G LTE only, no 5G reported

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