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21 Mill Pond Road, Harwich, MA, 02645

4beds
3baths
2,163sqft
$1,150,700
$532price/sqft
$7,242/moest. monthly cost
$289,680/yrincome needed

About This Home

Mill Pond water views*Exceptional home with open flow*1-level living if desired*The heart of the home is a newer Kitchen w/custom cabinets, quartz counters, butcher block island, gorgeous tile backsplash and upscale stainless appliances*Kitchen opens to Dining Rm and fireplaced Living Rm connected by beautiful hardwood flrs**Direct access to garage through Mud Rm adjacent to Kitchen*Front driveway is paved*2 bedrooms both with en-suites*Primary bedroom has tile walk-in shower w/glass doors and a marble top vanity, and direct access to deck running the length of house overlooking tranquil Mill Pond*Lower Level offers sun-splashed Family Rm that has been renovated as well as the other , 2 additional bedrooms and full bath*Plenty of closets*Direct access to driveway w/room for cars and boat storage*Newer 4-bdrm septic*Upgraded 200 amp electrical panel*Generator hookup*Outdoor shower*Deeded access to Mill Pond*Well maintained colorful gardens*Bonus storage shed*Perfect house for flexible living. Great potential as rental property as well as full time residence if you choose. Close to Long Pond that has public boat access. Also close to all the wonderful saltwater beaches

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Harwich Elementary SchoolGrades PK-43.6 mi
5/10
7/10

Construction

Condition

  • Property condition: Updated/Remodeled, Approximate
  • Year built: 1987

Materials

  • Foundation: Poured
  • Roof: Asphalt, Pitched
  • Construction materials: Clapboard,Shingle Siding

Notable Dates

  • Major remodel year: 2021

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch, Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Washer,Range Hood,Refrigerator,Electric Range,Microwave,Electric Dryer
  • Laundry features: Laundry Room,First Floor

Basement

  • Has basement: Yes
  • Basement: Finished,Interior Entry

Bedroom2

  • Features: Bedroom 2, Closet
  • Level: First
  • Area: 132

Bedroom3

  • Features: Bedroom 3, View, Closet, HU Cable TV
  • Level: Basement
  • Area: 132

Bedroom4

  • Features: Closet
  • Level: Basement
  • Area: 121

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 2

Dining Room

  • Features: View, Dining Room, Built-in Features
  • Level: First
  • Area: 180

Features

  • Recessed Lighting,Mud Room
  • Door features: Sliding Doors
  • Flooring: Hardwood,Tile
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning
  • Fireplace: Yes

Heating

  • Heating features: Hot Water

Interior Area

  • Total structure area: 2,163
  • Total interior livable area: 2,163 sqft

Kitchen

  • Features: Kitchen, Upgraded Cabinets, Kitchen Island, Recessed Lighting
  • Level: First
  • Area: 180

Living Room

  • Features: HU Cable TV, Living Room, View
  • Level: First
  • Area: 300

Master Bathroom

  • Features: Private Full Bath

Master Bedroom

  • Features: View, Closet
  • Level: First
  • Area: 180

Property

Details

  • Parcel number: HARW M:111 P:G114
  • Zoning: R
  • Special condition: None

Features

  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Outdoor Shower,Garden
  • Fencing: Fenced
  • Has view: Yes
  • Has water view: Yes
  • Water view: Lake/Pond

Lot

  • Lot size: 0.33 Acres
  • Features: Shopping,Medical Facility,Major Highway,Near Golf Course,Cape Cod Rail Trail,Cleared,South of 6A,West of Route 6

Parking

  • Total spaces: 10
  • Parking features: Shell
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Coastal Flooding
    Coastal FloodingModerate
  • Hurricane
    HurricaneModerate
  • Lightning
    LightningModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Inland Flooding
Coastal Flooding
Hurricane
Lightning
Tsunami

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $5,818$69,816
Home Insurance *$458$5,496
Property Taxes $540$6,480
Electricity $426$5,118
Total$7,242$86,904
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$248,297/yr
40% on housing$217,260/yr
45% on housing$193,120/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 6.7%
6.7%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$532This listing

vs Other Active Listings

Avg $/sqft

ZIP 02645$506
Barnstable County$549

vs Homes Sold Last Month

Median $/sqft

ZIP 02645$481
Barnstable County$463

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-19Listed for sale$1,150,700
2023-09-20Sold$868,000
2023-08-12Pending sale$875,000
2023-08-01Listed for sale$875,000
2004-04-30Sold$432,000
1995-06-30Sold$155,100

For Sale by Agent

AgentPete V Cacciatore
BrokerageAndrew Abu, Inc.

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