11 Bernardo Dr, Montague, MA 01351 Property Records

Franklin County and Montague Town property record for 11 Bernardo Dr, Montague, MA 01351

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2021
Lot Size	0.851 acres (37,070 sqft)
Owner	2 Individual Names on File
Last Sale	$43,750 (Oct 2020)
Tax Bill	$5,406 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Apr 2021 Refinance + 1 more
APN	`MONT M:0039 B:0000 L:120`

Property Details

APN / Parcel Number

Primary APN	`MONT M:0039 B:0000 L:120`
Alternative APNs	`MTGU M:0039 B:0000 L:120` `6728`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	2,868 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,070 sqft (0.851 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6728
Street Address	11 BERNARDO DR
City	MONTAGUE
State	MA
Zip	01351-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Lot Number	120
Jurisdiction	MONTAGUE MA
Township / Civil Division	MONTAGUE
Census Block Group	2
Census Block	2035
Census Tract	40702

Owner

11 Bernardo Dr is owned and occupied by two individuals who bought it in October 2020.

Source: Franklin County and Montague Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 BERNARDO DR, MONTAGUE, MA 01351-9525
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
Mar 29, 2024	Deed of Trust, Mortgage · Line of Credit GREENFIELD SAVINGS BANK
Apr 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GREENFIELD SAVINGS BANK
Oct 8, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on File
Deed Sale	Oct 8, 2020 · Amount on File
Deed Document Number	202010412
Deed Book / Page	7622 / 132
Prior Transfer Date	Oct 1, 2020
Prior Transfer Doc	7622-132
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE MA
Property Address	11 BERNARDO DR, MONTAGUE, MA 01351-9525
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008296-51
Date	Mar 29, 2024
Book Page	8296/51
Instrument	2502

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE MA
Property Address	11 BERNARDO DR, MONTAGUE, MA 01351-9525
Transaction Type	Mortgage
Record Updated	Jun 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007750-322
Date	Apr 27, 2021
Book Page	7750/322
Instrument	4858

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

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

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTAGUE MA
Recording Date	Oct 8, 2020
Property Address	11 BERNARDO DR, MONTAGUE, MA 01351-9525
Document Number	7622-132
Book / Page	007622 / 000132
Instrument Date	Oct 1, 2020
Instrument	10412
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 BERNARDO DR MONTAGUE MA 013519525, MONTAGUE, MA 01351-9525

Tax Assessment & Valuation

The 2025 property tax bill for 11 Bernardo Dr was $5,406, up 7% from the year before.

Source: Franklin County and Montague Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Montague Town
Unified School District	Gill-Montague School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,406.00 (+7.03%)	$355,400 (+10.48%) Land $66,700 Building $288,700	$396,943 (+21.78%)
2024	$5,051.00 (+4.55%)	$321,700 (+4.21%) Land $66,700 Building $255,000	$325,945
2023	$4,831.00	$308,700 Land $66,700 Building $242,000

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

Flood

FEMA has no flood map on file for 11 Bernardo Dr.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 11 Bernardo Dr is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TURNERS FALLS WATER DEPT serves 8,080 people · EPA ID MA1192000
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) 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 43 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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