Barnstable County and Harwich Town property record for 92 Headwaters Dr, Harwich, MA 02645
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,829 sqft · built 2000 |
| Lot Size | 0.25 acres (10,899 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $410,000 (Oct 2016) |
| Tax Bill | $4,857 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | HARW M:81 P:A10 |
| Primary APN | HARW M:81 P:A10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,829 sqft Living Area |
| Gross Area | 3,981 sqft |
| 1st Floor Area | 1,127 sqft |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,899 sqft (0.25 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 6547 |
|---|---|
| Street Address | 92 HEADWATERS DR |
| City | HARWICH |
| State | MA |
| Zip | 02645-1035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | HARWICH MA |
| Township / Civil Division | HARWICH |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 11002 |
92 Headwaters Dr is owner-occupied and held in a trust since October 2016.
Source: Barnstable County and Harwich Town records, as of July 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 92 HEADWATERS DR, HARWICH, MA 02645-1035 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2016 · Amount on File |
| Deed Sale | Oct 14, 2016 · Amount on File |
| Prior Sale | May 11, 2015 |
| Deed Book / Page | 30007 / 178 |
| Transfer Doc | 030007-178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARWICH MA |
| Property Address | 92 HEADWATERS DR, HARWICH, MA 02645-1035 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 033934-138 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 33934/138 |
| Instrument | 20414 |
| Name | STEARNS LENDING INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2025 property tax bill for 92 Headwaters Dr was $4,857, up 3.9% from the year before.
Source: Barnstable County and Harwich Town assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Barnstable County |
| County Subdivision | Harwich Town |
| Unified School District | Monomoy Regional School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,857.00 (+3.87%) | $821,800 (+5.97%) Land $249,500 Building $572,300 | $763,040 |
| 2024 | $4,676.00 (+3.89%) | $775,500 (+14.4%) Land $235,400 Building $540,100 | |
| 2023 | $4,501.00 | $677,900 Land $214,000 Building $463,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 92 Headwaters Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 92 Headwaters Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 86 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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