82 Spruce Rd, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,700 sqft · built 1810
Lot Size	2.58 acres (112,385 sqft)
Owner	2 Individual Names on File
Last Sale	$540,000 (Feb 2024)
Tax Bill	$4,245 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:111 P:W1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:111 P:W1`
Alternative APNs	`M:00111 B:W001 L:000` `10863`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,700 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	1,264 sqft
Basement Area	164 sqft
Unfinished Basement	164 sqft

Exterior

Year Built	Built 1810
Effective Year Built	Effective 1970
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	112,385 sqft (2.58 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	10863
Street Address	82 SPRUCE RD
City	HARWICH
State	MA
Zip	02645-2054
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	3
Census Block	3028
Census Tract	11100

Owner

82 Spruce Rd is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	82 SPRUCE RD, HARWICH, MA 02645-2054
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 24, 2026	Deed of Trust, Mortgage · FHA Mortgage
Feb 28, 2024	Quit Claim Deed, Transfer · FHA Mortgage ROCKET MORTGAGE
Jan 30, 2023	Deed of Trust, Mortgage · ARM BAYCOAST MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2024 · Amount on File
Deed Sale	Feb 28, 2024 · Amount on File
Prior Sale	Nov 5, 2008 · Amount on File
Deed Document Number	20247510
Deed Book / Page	36241 / 139
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Recording Date	Jun 24, 2026
Property Address	82 SPRUCE RD, HARWICH, MA 02645-2054
Document Number	0000025171
Book / Page	37700 / 246
Instrument Date	Jun 19, 2026
Instrument	202625171
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	82 SPRUCE RD, HARWICH, MA 02645-2054

Mortgage

Document Number	0000025171,
Date	Jun 24, 2026
Book Page	37700/246
Instrument	202625171

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Jul 1, 2054

Interest

Rate	6.51%
Max Rate	-1%

February 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Feb 28, 2024
Property Address	82 SPRUCE RD, HARWICH, MA 02645-2054
Document Number	036241-139
Book / Page	36241 / 139
Instrument Date	Feb 28, 2024
Instrument	7510
Transaction Type	Transfer
Record Updated	Mar 15, 2024

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	Joint Tenants
Address	82 SPRUCE RD, HARWICH, MA 02645-2054

Mortgage

Document Number	0000007511
Date	Feb 28, 2024
Instrument	7511

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	82 SPRUCE RD, HARWICH, MA 02645-2054
Transaction Type	Mortgage
Record Updated	Feb 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	035617-193
Date	Jan 30, 2023
Book Page	35617/193
Instrument	4216

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Feb 1, 2028
Index	1-Year CMT

Tax Assessment & Valuation

The 2025 property tax bill for 82 Spruce Rd was $4,245, up 9.6% 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	$4,245.00 (+9.6%)	$718,200 (+11.82%) Land $421,400 Building $296,800	$607,335
2024	$3,873.00 (+2.16%)	$642,300 (+12.51%) Land $357,800 Building $284,500
2023	$3,791.00	$570,900 Land $325,300 Building $245,600

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

Flood

FEMA maps place 82 Spruce 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	4 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 Spruce Rd 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 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 70 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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