761 Main St, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 761 Main St, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,038 sqft · built 1952
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Jan 2025)
Tax Bill	$3,079 (2025)
Deeds & Mortgages	Jul 2021 Refinance Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:41 P:S7`

Property Details

APN / Parcel Number

Primary APN	`HARW M:41 P:S7`
Alternative APNs	`M:00041 B:S007 L:000` `4360`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,038 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,038 sqft
Basement Area	1,038 sqft
Unfinished Basement	1,038 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,007 sqft (0.62 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4360
Street Address	761 MAIN ST
City	HARWICH
State	MA
Zip	02645-2756
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	1016
Census Tract	11200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Harwich Historic District listed 1975 · 44 contributing resources · NRIS 75000245

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

761 Main St is owned and occupied by an individual who bought it in January 2025.

Source: Barnstable County and Harwich Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	761 MAIN ST, HARWICH, MA 02645-2756
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Jul 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Mar 1, 2018	Quit Claim Deed, Transfer · Conventional with PMI STEARNS LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2025 · Amount on File
Deed Sale	Jan 27, 2025 · Amount on File
Prior Sale	Mar 1, 2018 · Amount on File
Deed Book / Page	36798 / 95
Transfer Doc	0031114-75
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	761 MAIN ST, HARWICH, MA 02645-2756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034330-135
Date	Jul 27, 2021
Book Page	34330/135
Instrument	49697

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Aug 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Mar 1, 2018
Property Address	761 MAIN ST, HARWICH, MA 02645-2756
Document Number	31114-75
Book / Page	031114 / 000075
Instrument Date	Mar 1, 2018
Instrument	9880
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	75 JOSHUAS WAY EASTHAM MA 026423317, EASTHAM, MA 02642-3317

Mortgage

Document Number	31114-91
Date	Mar 1, 2018
Book Page	031114/000091
Instrument	9884

Lender

Name	STEARNS LNDG

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 29, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 761 Main St was $3,079, up 3.2% from the year before.

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	$3,079.00 (+3.18%)	$520,900 (+5.25%) Land $225,300 Building $295,600	$556,576
2024	$2,984.00 (+3.58%)	$494,900 (+14.06%) Land $212,500 Building $282,400
2023	$2,881.00	$433,900 Land $193,200 Building $240,700

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

Flood

FEMA maps place 761 Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 92 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 units insured incl. 10 condo units
Nearby Flood Claims	2 (1978–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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 761 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 98% of the US · lower than 96% 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 123 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

May also be available: OpenCape.

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