Worcester County and Harvard Town property record for 86 Stow Rd, Harvard, MA 01451
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,968 sqft · built 1986 |
| Lot Size | 7.18 acres (312,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $650,000 (Sep 2007) |
| Tax Bill | $14,426 (2026) |
| Deeds & Mortgages | Apr 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:028.0 P:0007-0002.0 |
| Primary APN | M:028.0 P:0007-0002.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,968 sqft Living Area |
| Gross Area | 5,012 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 312,761 sqft (7.18 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 1250280000700020 |
|---|---|
| Street Address | 86 STOW RD |
| City | HARVARD |
| State | MA |
| Zip | 01451-1827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 7 |
| Legal Lot Number | 2 |
| Jurisdiction | HARVARD MA |
| Township / Civil Division | HARVARD |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 761401 |
86 Stow Rd is owned and occupied by an individual who bought it in September 2007.
Source: Worcester County and Harvard Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 86 STOW RD, HARVARD, MA 01451-1827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 28, 2007 · Amount on File |
| Deed Sale | Sep 28, 2007 · Amount on File |
| Prior Sale | Jun 30, 1989 · Amount on File |
| Deed Document Number | 2007128327 |
| Deed Book / Page | 41867 / 215 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARVARD MA |
| Property Address | 86 STOW RD, HARVARD, MA 01451-1827 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 067390-293 |
|---|---|
| Date | Apr 6, 2022 |
| Book Page | 67390/293 |
| Instrument | 37960 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
The 2026 property tax bill for 86 Stow Rd was $14,426, up 8.3% from the year before.
Source: Worcester County and Harvard Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Harvard Town |
| Unified School District | Harvard School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $14,426.00 (+8.33%) | $909,000 (+6.83%) Land $298,500 Building $610,500 | $1,011,370 (-) |
| 2025 | $13,317.00 (+4.19%) | $850,900 (-0.8%) Land $298,500 Building $552,400 | $1,011,370 (+9.43%) |
| 2024 | $12,781.00 (-1.74%) | $857,800 (+9.54%) Land $298,500 Building $559,300 | $924,255 |
| 2023 | $13,007.00 | $783,100 Land $289,000 Building $494,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Stow Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 86 Stow Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
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