97 Chatham Rd, Harwich, MA 02645 Property Records

Barnstable County and Harwich Town property record for 97 Chatham Rd, Harwich, MA 02645

Property Summary

Property Type	Single Family Home
Lot Size	1.39 acres (60,592 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jun 2001)
Tax Bill	$4,711 (2025)
Deeds & Mortgages	Aug 2021 Refinance Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`HARW M:42 P:M3-3`

Property Details

APN / Parcel Number

Primary APN	`HARW M:42 P:M3-3`
Alternative APNs	`M:00042 B:M003 L:003` `4460`

Exterior

Lot Area	60,592 sqft (1.39 acres)
Deck Area	Deck Area
Total Buildings	2 Buildings

Location & Zoning

Account Number	4460
Street Address	97 CHATHAM RD
City	HARWICH
State	MA
Zip	02645-3151
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	1011
Census Tract	11200

Owner

97 Chatham Rd is owned and occupied by two individuals who acquired it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	97 CHATHAM RD, HARWICH, MA 02645-3151
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 10, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jan 30, 2017	Deed of Trust, Mortgage US BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CONWAY FINANCIAL SVCS
Feb 1, 2019	Quit Claim Deed, Transfer · Stand-Alone Refinance US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2001 · Amount on File
Deed Sale	Jun 4, 2001 · Amount on File
Prior Sale	Dec 2, 1993 · Amount on File
Deed Book / Page	13900 / 339
Last Transfer Date	Jan 25, 2019
Transfer Doc	31815-58
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	97 CHATHAM RD, HARWICH, MA 02645-3151
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	034372-177
Date	Aug 10, 2021
Book Page	34372/177
Instrument	52933

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	97 CHATHAM RD, HARWICH, MA 02645-3151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	30266-247
Date	Jan 30, 2017
Book Page	30266/247
Instrument	5019

Lender

Name	US BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARWICH MA
Property Address	97 CHATHAM RD, HARWICH, MA 02645-3151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	33026-63
Date	Jun 29, 2020
Book Page	33026/63
Instrument	31484

Lender

Name	CONWAY FINANCIAL SVCS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARWICH MA
Recording Date	Feb 1, 2019
Property Address	97 CHATHAM RD, HARWICH, MA 02645-3151
Document Number	31815-58
Book / Page	31815 / 58
Instrument Date	Jan 25, 2019
Instrument	4980
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 CHATHAM RD, HARWICH, MA 02645-3151

Mortgage

Document Number	31815-60
Date	Feb 1, 2019
Book Page	31815/60
Instrument	4981

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 97 Chatham Rd was $4,711, up 3.2% 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	$4,711.00 (+3.2%)	$797,100 (+5.28%) Land $271,800 Building $525,300	$759,240
2024	$4,565.00 (+4.03%)	$757,100 (+14.57%) Land $256,400 Building $500,700
2023	$4,388.00	$660,800 Land $233,100 Building $427,700

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

Flood

FEMA maps place 97 Chatham Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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 92 individual policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	102 units insured incl. 10 condo units
Nearby Flood Claims	2 (1978–1991)
Most Recent Claim	Aug 1991 · Hurricane Bob

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 97 Chatham 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 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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