9 Harding Ln, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 9 Harding Ln, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,246 sqft · built 1999
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Trust Names on Record
Tax Bill	$9,006 (2025)
Deeds & Mortgages	Jul 2020 Transfer Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:113 P:P4-29`

Property Details

APN / Parcel Number

Primary APN	`HARW M:113 P:P4-29`
Alternative APNs	`M:00113 B:P004 L:029` `21228`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,246 sqft Living Area
Gross Area	6,947 sqft
1st Floor Area	1,752 sqft
Basement Area	2,717 sqft
Unfinished Basement	1,732 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	21228
Street Address	9 HARDING LN
City	HARWICH
State	MA
Zip	02645-2158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Subdivision	PLAN 42368-D6
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	2
Census Block	2016
Census Tract	11100

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	197 8TH ST, 309, CHARLESTOWN, MA 02129-4230
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 7, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK
May 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2017
Deed Sale	May 11, 2017
Prior Sale	Oct 12, 2007 · Amount on Record
Last Transfer Date	Jun 4, 2020
Transfer Doc	1401726
Record Updated	Oct 29, 2026

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Jul 29, 2020
Property Address	9 HARDING LN, HARWICH, MA 02645-2158
Document Number	0001401726
Instrument Date	Jun 4, 2020
Instrument	1401726
Transaction Type	Transfer
Record Updated	Aug 18, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	16 S MEADOW RDG CONCORD MA 017423051, CONCORD, MA 01742-3051

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 HARDING LN, HARWICH, MA 02645-2158
Document Number	0001355240
Instrument Date	Sep 7, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 HARDING LN HARWICH MA 026452158, HARWICH, MA 02645-2158

Mortgage

Document Number	0001355240
Date	Sep 26, 2018
Instrument	1355240

Lender

Name	CITIZENS BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	May 11, 2017
Property Address	9 HARDING LN, HARWICH, MA 02645-2158
Document Number	0001320943
Instrument Date	May 5, 2017
Instrument	1320943
Transaction Type	Transfer
Record Updated	May 30, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	9 HARDING LN HARWICH MA 026452158, HARWICH, MA 02645-2158

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	$9,006.00 (+7.6%)	$1,523,800 (+9.78%) Land $429,300 Building $1,094,500	$1,393,365
2024	$8,370.00 (+4.86%)	$1,388,000 (+15.46%) Land $342,700 Building $1,045,300
2023	$7,982.00	$1,202,100 Land $311,500 Building $890,600

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 95% of the US · lower than 90% 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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