9 Cove Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 9 Cove Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1967
Lot Size	0.278 acres (12,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2017)
Tax Bill	$2,840 (2025)
Deeds & Mortgages	Sep 2024 Refinance Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:117 P:V27`

Property Details

APN / Parcel Number

Primary APN	`HARW M:117 P:V27`
Alternative APNs	`M:00117 B:V027 L:000` `10354`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,528 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,120 sqft (0.278 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	10354
Street Address	9 COVE RD
City	HARWICH
State	MA
Zip	02645-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	MEETINGHOUSE VILLAGE
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2004
Census Tract	11100

Owner

Source: Barnstable County and Harwich Town records, as of October 8, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	9 COVE RD, HARWICH, MA 02645-1406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CAPE COD COOPERATIVE BANK
Dec 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE
Sep 5, 2017	Quit Claim Deed, Transfer CAPE COD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Oct 21, 2011 · Amount on Record
Deed Book / Page	30745 / 194
Transfer Doc	030745-194
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 COVE RD, HARWICH, MA 02645-1406
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	036582-107
Date	Sep 24, 2024
Book Page	36582/107
Instrument	37735

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 COVE RD, HARWICH, MA 02645-1406
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037385-53
Date	Dec 24, 2025
Book Page	37385/53
Instrument	53701

Lender

Name	UNION HOME MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Sep 5, 2017
Property Address	9 COVE RD, HARWICH, MA 02645-1406
Document Number	30745-194
Book / Page	30745 / 194
Instrument	45067
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.04
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9 COVE RD, HARWICH, MA 02645-1406

Mortgage

Document Number	307450201
Date	Sep 5, 2017
Instrument	30745/0201

Lender

Name	CAPE COD COOPERATIVE BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	480 Months
Due	Sep 5, 2057

Interest

Rate	3.88%
Max Rate At Change	0.12%
Max Rate	2.5%

Tax Assessment & Valuation

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	$2,840.00 (+7.66%)	$480,500 (+9.85%) Land $201,600 Building $278,900	$601,350
2024	$2,638.00 (+4.1%)	$437,400 (+14.62%) Land $171,100 Building $266,300
2023	$2,534.00	$381,600 Land $155,600 Building $226,000

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 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	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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