787 Main St, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 787 Main St, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 982 sqft · built 1965
Lot Size	0.369 acres (16,078 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Apr 2014)
Tax Bill	$3,118 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:41 P:S1-81A`

Property Details

APN / Parcel Number

Primary APN	`HARW M:41 P:S1-81A`
Alternative APNs	`M:00041 B:S001 L:81A` `4350`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	982 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	982 sqft
Basement Area	982 sqft
Unfinished Basement	982 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,078 sqft (0.369 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4350
Street Address	787 MAIN ST
City	HARWICH
State	MA
Zip	02645-2727
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	1014
Census Tract	11200

Owner

787 Main St is owned and occupied by an individual who bought it in April 2014.

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

Owner of Record	Individual Name on File
Mailing Address	787 MAIN ST, HARWICH, MA 02645-2727
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2025	Deed of Trust, Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Sep 10, 2025	Deed of Trust, Mortgage CAPE COD FIVE CENTS SAVINGS BANK
Sep 10, 2025	Deed of Trust, Mortgage CAPE & ISLANDS COMMUNITY DEVELOPMENT INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2014 · Amount on File
Deed Sale	Apr 25, 2014 · Amount on File
Prior Sale	Nov 12, 2004
Deed Book / Page	28106 / 256
Transfer Doc	028106-256
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	787 MAIN ST, HARWICH, MA 02645-2727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037175-227
Date	Sep 10, 2025
Book Page	37175/227
Instrument	36540

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	787 MAIN ST, HARWICH, MA 02645-2727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037175-211
Date	Sep 10, 2025
Book Page	37175/211
Instrument	36539

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	787 MAIN ST, HARWICH, MA 02645-2727
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037175-243
Date	Sep 10, 2025
Book Page	37175/243
Instrument	36541

Lender

Name	CAPE & ISLANDS COMMUNITY DEVELOPMENT INC

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 787 Main St was $3,118, up 3.1% 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	$3,118.00 (+3.11%)	$527,500 (+5.18%) Land $207,000 Building $320,500	$1,048,610
2024	$3,024.00 (+4.13%)	$501,500 (+14.68%) Land $195,300 Building $306,200
2023	$2,904.00	$437,300 Land $177,500 Building $259,800

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

Flood

FEMA maps place 787 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 787 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 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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