8 Rose Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 8 Rose Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,339 sqft · built 1978
Lot Size	0.351 acres (15,298 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Sep 2018)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:78 P:D17`

Property Details

APN / Parcel Number

Primary APN	`HARW M:78 P:D17`
Alternative APNs	`M:00078 B:D017 L:000` `9730`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,339 sqft Living Area
Gross Area	3,133 sqft
1st Floor Area	864 sqft
Basement Area	1,642 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,298 sqft (0.351 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9730
Street Address	8 ROSE LN
City	HARWICH
State	MA
Zip	02645-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	4
Census Block	4019
Census Tract	11002

Owner

8 Rose Ln is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	8 ROSE LN, HARWICH, MA 02645-1611
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
Dec 30, 2025	Deed of Trust, Mortgage · Line of Credit CAPE COD FIVE CENTS SAVINGS BANK
Feb 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED WHOLESALE MORTGAGE
Sep 28, 2018	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2018 · Amount on File
Deed Sale	Sep 28, 2018 · Amount on File
Deed Book / Page	31563 / 95
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	8 ROSE LN, HARWICH, MA 02645-1611
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	037390-156
Date	Dec 30, 2025
Book Page	37390/156
Instrument	54059

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2054

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	8 ROSE LN, HARWICH, MA 02645-1611
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	033835-111
Date	Feb 26, 2021
Book Page	33835/111
Instrument	13706

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Sep 28, 2018
Property Address	8 ROSE LN, HARWICH, MA 02645-1611
Document Number	31563-95
Book / Page	31563 / 95
Instrument	48143
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	315630098
Date	Sep 28, 2018
Instrument	31563/0098

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8 Rose Ln was $3,246, up 3.8% 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	$3,246.00 (+3.81%)	$549,300 (+5.92%) Land $154,600 Building $394,700	$633,175
2024	$3,127.00 (+3.44%)	$518,600 (+13.9%) Land $145,800 Building $372,800
2023	$3,023.00	$455,300 Land $132,600 Building $322,700

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

Flood

FEMA maps place 8 Rose Ln 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 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 8 Rose Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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