108 S Main St, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 108 S Main St, Florence, MA 01062

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 3,202 sqft · built 1900
Lot Size	0.544 acres (23,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Nov 1999)
Tax Bill	$9,475 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit
APN	`NHAM M:023B B:0070 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:023B B:0070 L:0001`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,202 sqft Living Area
1st Floor Area	1,291 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Wood Siding
Lot Area	23,701 sqft (0.544 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Street Address	108 S MAIN ST
City	FLORENCE
State	MA
Zip	01062-1938
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	URB
Legal Subdivision	GEORGE B & RITA P O LEARY
Legal Block	70
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	1
Census Block	1017
Census Tract	821602

Owner

Source: Hampshire County and Northampton City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 S MAIN ST, FLORENCE, MA 01062-1938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 1999 · Amount on Record
Deed Sale	Nov 12, 1999 · Amount on Record
Deed Book / Page	5829 / 73
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Recording Date	Sep 2, 2026
Property Address	108 S MAIN ST, FLORENCE, MA 01062-1938
Document Number	0000014910
Book / Page	15829 / 285
Instrument Date	Aug 28, 2026
Instrument	202614910
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 S MAIN ST, FLORENCE, MA 01062-1938

Mortgage

Document Number	0000014910,
Date	Sep 2, 2026
Book Page	15829/285
Instrument	202614910

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Hampshire County and Northampton City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
Municipality	Northampton City
Unified School District	Northampton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,475.00 (+21.16%)	$680,200 (+37.78%) Land $175,500 Building $504,700	$683,901
2023	$7,820.00	$493,700 Land $139,600 Building $354,100

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2003–2011)
Most Recent Claim	Aug 2011 · Tropical Storm Irene

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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	NORTHAMPTON WATER DIVISION serves 29,571 people · EPA ID MA1214000
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 365 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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