8 Ruth Ln, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,897 sqft · built 1988
Lot Size	0.344 acres (14,970 sqft)
Owner	Individual Name on File
Last Sale	$660,000 (Jun 2021)
Tax Bill	$4,664 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`HARW M:32 P:K4-25`

Property Details

APN / Parcel Number

Primary APN	`HARW M:32 P:K4-25`
Alternative APNs	`M:00032 B:K004 L:025` `3697`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,897 sqft Living Area
Gross Area	4,033 sqft
1st Floor Area	988 sqft
Basement Area	1,108 sqft
Unfinished Basement	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2007
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,970 sqft (0.344 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3697
Street Address	8 RUTH LN
City	HARWICH
State	MA
Zip	02645-3210
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	1026
Census Tract	11200

Owner

8 Ruth Ln is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	8 RUTH LN, HARWICH, MA 02645-3210
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
Jun 30, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 10, 2017	Quit Claim Deed, Transfer · FHA Mortgage CAPE COD FIVE CENT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Jul 10, 2017 · Amount on File
Deed Book / Page	34259 / 141
Record Updated	Oct 29, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jun 30, 2021
Property Address	8 RUTH LN, HARWICH, MA 02645-3210
Document Number	034259-141
Book / Page	34259 / 141
Instrument Date	Jun 30, 2021
Instrument	43916
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Address	8 RUTH LN, HARWICH, MA 02645-3210

Mortgage

Document Number	0000043917
Date	Jun 30, 2021
Instrument	43917

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jul 10, 2017
Property Address	8 RUTH LN, HARWICH, MA 02645-3210
Document Number	30618-181
Book / Page	030618 / 000181
Instrument Date	Jul 10, 2017
Instrument	34393
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,137.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 PENNY BROOK LN KENSINGTON CT 060373417, KENSINGTON, CT 06037-3417

Mortgage

Document Number	30618-185
Date	Jul 10, 2017
Book Page	030618/000185
Instrument	34395

Lender

Name	CAPE COD FIVE CENT BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 9, 2032

Interest

Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 8 Ruth Ln was $4,664, up 3% 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	$4,664.00 (+2.96%)	$789,200 (+5.06%) Land $205,500 Building $583,700	$839,800
2024	$4,530.00 (+4.98%)	$751,200 (+15.6%) Land $193,900 Building $557,300
2023	$4,315.00	$649,800 Land $176,300 Building $473,500

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

Flood

FEMA maps place 8 Ruth Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	11.0 ft
Flood Insurance Requirement	Required federally backed loans
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 8 Ruth Ln 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 97% of the US · lower than 94% 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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