9 Elm Dr, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 9 Elm Dr, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,262 sqft · built 1973
Lot Size	0.345 acres (15,031 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Jan 2015)
Tax Bill	$4,181 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:112 P:A3-32`

Property Details

APN / Parcel Number

Primary APN	`HARW M:112 P:A3-32`
Alternative APNs	`M:00112 B:A003 L:032` `10201`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,262 sqft Living Area
Gross Area	4,143 sqft
1st Floor Area	1,464 sqft
Basement Area	1,264 sqft
Unfinished Basement	1,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	15,031 sqft (0.345 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10201
Street Address	9 ELM DR
City	HARWICH
State	MA
Zip	02645-1312
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2010
Census Tract	11100

Owner

Source: Barnstable County and Harwich Town records, as of July 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	2 Individual Names on File
Mailing Address	9 ELM DR, HARWICH, MA 02645-1312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 17, 2019	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2015 · Amount on File
Deed Sale	Jan 29, 2015 · Amount on File
Prior Sale	Apr 22, 2005 · Amount on File
Deed Book / Page	28654 / 84
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 ELM DR, HARWICH, MA 02645-1312
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037345-72
Date	Dec 8, 2025
Book Page	37345/72
Instrument	50666

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 ELM DR, HARWICH, MA 02645-1312
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	32302-268
Date	Sep 17, 2019
Book Page	32302/268
Instrument	44961

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

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	$4,181.00 (+6.01%)	$707,500 (+8.16%) Land $205,600 Building $501,900	$773,015
2024	$3,944.00 (+5.01%)	$654,100 (+15.65%) Land $174,600 Building $479,500
2023	$3,756.00	$565,600 Land $158,700 Building $406,900

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 97% of the US · lower than 94% 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 182 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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