85 S Harbor Rd, Townsend, MA 01469 Property Records

Middlesex County and Townsend Town property record for 85 S Harbor Rd, Townsend, MA 01469

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,269 sqft · built 1940
Lot Size	0.952 acres (41,465 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Apr 2017)
Tax Bill	$5,295 (2026)
Deeds & Mortgages	Oct 2023 Refinance Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`TOWN M:0033 B:0032 L:0000`

Property Details

APN / Parcel Number

Primary APN	`TOWN M:0033 B:0032 L:0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,269 sqft Living Area
Gross Area	2,281 sqft
Basement Area	1,008 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,465 sqft (0.952 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	85 S HARBOR RD
City	TOWNSEND
State	MA
Zip	01469-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA3
Legal Block	32
Jurisdiction	TOWNSEND MA
Township / Civil Division	TOWNSEND
Census Block Group	1
Census Block	1005
Census Tract	301102

Owner

Source: Middlesex County and Townsend Town records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	85 S HARBOR RD, TOWNSEND, MA 01469-1305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WORKERS CU
Apr 28, 2017	Quit Claim Deed, Transfer · FHA Mortgage WORKERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on Record
Deed Sale	Apr 28, 2017 · Amount on Record
Prior Sale	May 29, 2008 · Amount on Record
Deed Book / Page	69212 / 278
Transfer Doc	069212-278
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOWNSEND MA
Property Address	85 S HARBOR RD, TOWNSEND, MA 01469-1305
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0082061-73
Date	Oct 3, 2023
Book Page	82061/73
Instrument	111769

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2043

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOWNSEND MA
Recording Date	Apr 28, 2017
Property Address	85 S HARBOR RD, TOWNSEND, MA 01469-1305
Document Number	69212-278
Book / Page	069212 / 000278
Instrument Date	Mar 2, 2017
Instrument	63017
Transaction Type	Transfer
Record Updated	May 16, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,085.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 MILFORD ST SALEM NH 03079, SALEM, NH 03079

Mortgage

Document Number	69212-281
Date	Apr 28, 2017
Book Page	069212/000281
Instrument	63018

Lender

Name	WORKERS CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 27, 2047

Tax Assessment & Valuation

Source: Middlesex County and Townsend Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Middlesex County
County Subdivision	Townsend Town
Unified School District	North Middlesex School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,295.00 (+3.72%)	$385,100 (+9.53%) Land $108,400 Building $274,900	$379,430 (-)
2025	$5,105.00 (+1.96%)	$351,600 (+1.18%) Land $95,400 Building $256,200	$379,430 (+4.31%)
2024	$5,007.00 (+10.51%)	$347,500 (+17.04%) Land $95,400 Building $252,100	$363,755
2023	$4,531.00	$296,900 Land $82,400 Building $214,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 10, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1984–2018)
Claims Outside the SFHA	4 of 8
Most Recent Claim	Apr 2018 · rainfall accumulation
Claims by Event	Flooding, Apr 2004 · 2 claims

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

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	TOWNSEND WATER DEPARTMENT serves 6,832 people · EPA ID MA2299000
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	2 ppb (2026) 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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