9 Saddle Rd, Harwich, MA 02645 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1988
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,000 (Jul 1988)
Tax Bill	$2,884 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:34 P:S1-67`

Property Details

APN / Parcel Number

Primary APN	`HARW M:34 P:S1-67`
Alternative APNs	`M:00034 B:S001 L:067` `9193`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9193
Street Address	9 SADDLE RD
City	HARWICH
State	MA
Zip	02645-4301
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	2030
Census Tract	11200

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 Individual Names on Record
Mailing Address	PO BOX 422, SOUTH HARWICH, MA 02661-0422
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2018	Deed of Trust, Mortgage · Conventional with PMI CITIZENS BK/RI
Jul 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage HANSCOM FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1988 · Amount on Record
Deed Sale	Jul 1, 1988 · Amount on Record
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 SADDLE RD, HARWICH, MA 02645
Document Number	0001344969
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	May 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 SADDLE RD HARWICH MA 02645, HARWICH, MA 02645

Mortgage

Document Number	0001344969
Date	Apr 30, 2018
Instrument	1344969

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	9 SADDLE RD, HARWICH, MA 02645
Document Number	0001326671
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0001326671
Date	Aug 1, 2017
Instrument	1326671

Lender

Name	HANSCOM FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2027

Interest

Rate Type	Adjustable Rate
Rate	3.38%

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	$2,884.00 (+3.15%)	$488,000 (+5.24%) Land $199,600 Building $288,400	$608,285
2024	$2,796.00 (+3.98%)	$463,700 (+14.49%) Land $188,300 Building $275,400
2023	$2,689.00	$405,000 Land $171,200 Building $233,800

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	5 in force
Nearby Flood Claims	1 (1996)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1996 · rainfall accumulation

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 96% of the US · lower than 92% 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE only, no 5G reported

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