Harvard, MA
Worcester County42.3657°N, 71.1222°W
Tracking 2,716 properties across Harvard, Massachusetts — a community where the median home dates to 1976 and the oldest to 1685. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
2,716
Properties Tracked
1976
Median Year Built
$718K
Median Assessed Value
4%
FEMA Flood Zone
776,785
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Harvard, MAInc. 1658
Harvard is a small, affluent town in the northeastern part of Worcester County, home to the historic Shaker Village of Harvard — one of the original Shaker communities in America. The town's landscape is defined by conservation land, orchards, and large-lot residential development. Fort Devens borders the town to the north, and the Oxbow National Wildlife Refuge along the Nashua River adds environmental features.
For property professionals, Harvard is an upper-value residential market with a rural-estate character — large lots, wooded settings, and assessed values driven substantially by land and location. The town's proximity to Route 2 and Route 495 makes it commuter-accessible.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
107 properties (4%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
2,609
AE
65
A
42
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
2
Grade B
98
Grade C
132
Grade D
1,398
Grade E
1,086
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
50 psf
Ground Snow Load
ASCE 7 standard
Very Low
FEMA Risk Index
NRI composite rating
The Property Landscape
2,716 properties · Median year built 1976 · Avg 2,769 sf
Property Types
Single Family
1,691
Institutional
362
Vacant Land
198
Two-Family
177
Mixed Use
101
Multi-Family
61
Commercial
46
Agricultural / Open Space
37
Residential Other
18
Other
12
Construction by Era
Pre-1800
85
1800-1849
60
1850-1899
92
1900-1949
192
1950-1979
823
1980-1999
575
2000+
320
Architectural Styles
Colonial
721
Contemporary
337
Cape Cod
253
Condominium
207
Antique
181
Ranch
156
Religious School / Hall
149
Raised Ranch
74
Market Activity
Recorded transactions from Worcester County Registry of Deeds
61%
Owner-Occupied
2%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 100% of Harvard properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
5,985 municipal building permits on file · 48% of properties
NE Provenance tracks 5,985 building permits across 1,295 Harvard properties — 48% coverage. 1,064 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
5,985
Permits on File
48%
Coverage
Properties with permits
1,064
Active (5yr)
Recent permit activity
79%
Condition Rated
NEP assessment
Living in Harvard
Worcester County · Massachusetts
Zip Codes0143401451014600146701541017190174001775
6,851
Population
2020 Census
2,716
Properties
$718K
Median Assessed
61%
Owner-Occupied
27.1
Square Miles
Harvard covers 27.1 square miles in Worcester County, Massachusetts. The median assessed property value is $718K.
Single-family homes account for 1,691 of Harvard's 2,716 properties and 238 multi-family buildings. There are 46 commercial properties and 198 parcels of vacant land. About 61% of properties are owner-occupied, and 2% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $438K and $948K, with the highest assessed property at $52.7M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
Most properties rely on private septic systems, and 9% have public water service. Electric service is provided by FITCHBURG GAS & ELEC LIGHT CO. 307 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Harvard its character.
What Harvard Property Intelligence Means for Professionals
Insurance & Underwriting
Harvard's fire protection grade distribution (2 Grade A, 98 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Harvard's 10 property types, spanning construction from 1685 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 4% of Harvard properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
5,985 permits across 48% of properties means most Harvard inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Harvard property intelligence.
2,716 Harvard properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/harvard-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.