82 Ryder Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 82 Ryder Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,539 sqft · built 1984
Lot Size	0.399 acres (17,374 sqft)
Owner	2 Individual Names on File
Last Sale	$545,000 (Jul 2022)
Tax Bill	$3,159 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:56 P:B3-4`

Property Details

APN / Parcel Number

Primary APN	`HARW M:56 P:B3-4`
Alternative APNs	`M:00056 B:B003 L:004` `5036`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,539 sqft Living Area
Gross Area	3,155 sqft
1st Floor Area	936 sqft
Basement Area	1,436 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,374 sqft (0.399 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5036
Street Address	82 RYDER RD
City	HARWICH
State	MA
Zip	02645-2322
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	4039
Census Tract	11002

Owner

82 Ryder Rd is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	82 RYDER RD, HARWICH, MA 02645-2322
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
Oct 18, 2021	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Jul 28, 2022	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Jul 17, 2015 · Amount on File
Deed Book / Page	35274 / 106
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	82 RYDER RD, HARWICH, MA 02645-2322
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00034577-1
Date	Oct 18, 2021
Book Page	34577/1
Instrument	68183

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jul 28, 2022
Property Address	82 RYDER RD, HARWICH, MA 02645-2322
Document Number	035274-106
Book / Page	35274 / 106
Instrument Date	Jul 28, 2022
Instrument	38069
Transaction Type	Transfer
Record Updated	Aug 12, 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
Relationship	Tenants by the Entirety
Address	82 RYDER RD, HARWICH, MA 02645-2322

Mortgage

Document Number	0000038070
Date	Jul 28, 2022
Instrument	38070

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 82 Ryder Rd was $3,159, up 3.9% 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	$3,159.00 (+3.88%)	$534,500 (+5.99%) Land $157,100 Building $377,400	$653,600
2024	$3,041.00 (+3.89%)	$504,300 (+14.41%) Land $148,200 Building $356,100
2023	$2,927.00	$440,800 Land $134,700 Building $306,100

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

Flood

FEMA maps place 82 Ryder Rd 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 82 Ryder Rd 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	Direct burnable vegetation

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.

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