93 Bay Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 93 Bay Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,096 sqft · built 2001
Lot Size	0.69 acres (30,050 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Dec 2018)
Tax Bill	$5,013 (2025)
Deeds & Mortgages	Dec 2018 Transfer Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HARW M:98 P:V1`

Property Details

APN / Parcel Number

Primary APN	`HARW M:98 P:V1`
Alternative APNs	`M:00098 B:V001 L:000` `9881`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	4,287 sqft
1st Floor Area	1,096 sqft
Basement Area	2,032 sqft
Unfinished Basement	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,050 sqft (0.69 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	9881
Street Address	93 BAY RD
City	HARWICH
State	MA
Zip	02645-2108
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Jurisdiction	HARWICH MA
Township / Civil Division	HARWICH
Census Block Group	1
Census Block	1024
Census Tract	11100

Owner

93 Bay Rd is owned by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1283, HARWICH, MA 02645-6283
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 9, 2018	Quit Claim Deed, Transfer CAPE COD FIVE CENTS SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Prior Sale	Nov 9, 2018 · Amount on File
Deed Book / Page	31745 / 258
Prior Transfer Date	Dec 20, 2018
Prior Transfer Doc	031745-258
Record Updated	Oct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Dec 7, 2018
Property Address	93 BAY RD, HARWICH, MA 02645
Document Number	31713-58
Book / Page	031713 / 000058
Instrument Date	Dec 6, 2018
Instrument	60855
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	93 BAY RD HARWICH MA 02645, HARWICH, MA 02645

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Nov 9, 2018
Property Address	93 BAY RD, HARWICH, MA 02645
Document Number	31658-55
Book / Page	31658 / 55
Instrument	56235
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	316580057
Date	Nov 9, 2018
Instrument	31658/0057

Lender

Name	CAPE COD FIVE CENTS SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 93 Bay Rd was $5,013, up 5.8% from the year before.

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	$5,013.00 (+5.83%)	$848,200 (+7.97%) Land $231,200 Building $617,000	$687,420
2024	$4,737.00 (+5.06%)	$785,600 (+15.7%) Land $196,300 Building $589,300
2023	$4,509.00	$679,000 Land $178,500 Building $500,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 93 Bay Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1991.

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
Flood Insurance Cost	Premium on File median of 14 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	7 (1991–2018)
Claims Outside the SFHA	3 of 7
Most Recent Claim	Mar 2018 · Severe Winter Storm And Flooding
Claims by Event	Severe Winter Storm, Snowstorm, And Flooding, Jan 2015 · 2 claims Winter Coastal Storm, Dec 1992 · 2 claims

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

Wildfire risk around 93 Bay Rd 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 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 124 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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