Barnstable County and Harwich Town property record for 75 Bay Rd, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 672 sqft · built 1984 |
| Lot Size | 0.374 acres (16,300 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $161,000 (May 2001) |
| Tax Bill | $2,315 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:98 P:N1-15 |
| Primary APN | HARW M:98 P:N1-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 672 sqft Living Area |
| Gross Area | 1,527 sqft |
| 1st Floor Area | 384 sqft |
| Basement Area | 384 sqft |
| Unfinished Basement | 384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 16,300 sqft (0.374 acres) |
| Pool Type | Spa / Hot Tub (No Pool) |
| Deck Area | Deck Area |
| Heating Fuel | Electric |
|---|
| Account Number | 7319 |
|---|---|
| Street Address | 75 BAY RD |
| City | HARWICH |
| State | MA |
| Zip | 02645-2108 |
| 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 | 1024 |
| Census Tract | 11100 |
75 Bay Rd is owned and occupied by two individuals who bought it in May 2001.
Source: Barnstable County and Harwich Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 75 BAY RD, HARWICH, MA 02645-2108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2001 · Amount on File |
| Deed Sale | May 1, 2001 · Amount on File |
| Prior Sale | May 30, 1989 · Amount on File |
| Deed Book / Page | 13788 / 43 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 75 BAY RD, HARWICH, MA 02645-2108 |
| Document Number | 30269-285 |
| Book / Page | 030269 / 000285 |
| Instrument Date | Jan 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 30269-285 |
|---|---|
| Date | Jan 31, 2017 |
| Book Page | 030269/000285 |
| Instrument | 5300 |
| Name | CAPE COD CO-OP BK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 30, 2047 |
The 2025 property tax bill for 75 Bay Rd was $2,315, up 9.7% 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 | $2,315.00 (+9.66%) | $391,700 (+11.91%) Land $207,500 Building $184,200 | $483,455 |
| 2024 | $2,111.00 (+3.28%) | $350,000 (+13.67%) Land $176,100 Building $173,900 | |
| 2023 | $2,044.00 | $307,900 Land $160,100 Building $147,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 75 Bay Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.
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 |
| Nearby Flood Claims | 7 (1991–2018) |
| Claims Outside the SFHA | 3 of 7 |
| Most Recent Claim | Mar 2018 · Severe Winter Storm And Flooding |
| Claims by Event |
|
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 75 Bay Rd 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 95% of the US · lower than 90% 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.
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 124 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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