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11 Cottage St, Belchertown, MA 01007 Property Records

Hampshire County and Belchertown Town property record for 11 Cottage St, Belchertown, MA 01007

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,513 sqft · built 1841
Lot Size0.51 acres (22,216 sqft)
OwnerIndividual Name on Record
Last Sale$219,800 (May 2016)
Tax Bill$4,180 (2025)
Deeds & MortgagesApr 2024 Refinance
Dec 2021 Refinance
+ 1 more
APNBELC M:243 L:47

Property Details

APN / Parcel Number

Primary APNBELC M:243 L:47

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,513 sqft Living Area
Gross Area3,079 sqft
Basement Area728 sqft
Unfinished Basement728 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1841
Effective Year BuiltEffective 1841
Architectural StyleOther
Exterior MaterialWood Siding
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area22,216 sqft (0.51 acres)

Utilities, Heating & Cooling

Heating SystemHot Water
Heating FuelOil

Location & Zoning

Street Address11 COTTAGE ST
CityBELCHERTOWN
StateMA
Zip01007-9666
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Lot Number47
JurisdictionBELCHERTOWN MA
Township / Civil DivisionBELCHERTOWN
Census Block Group1
Census Block1008
Census Tract820207

Owner

Source: Hampshire County and Belchertown Town records, as of July 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address11 COTTAGE ST, BELCHERTOWN, MA 01007-9666
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 10, 2024Deed of Trust, Mortgage · Stand-Alone Refinance
UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Dec 2, 2021Deed of Trust, Mortgage · Stand-Alone Refinance
PENNYMAC LOAN SERVICES LLC
Jun 18, 2020Deed of Trust, Mortgage
PENNYMAC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 26, 2016 · Amount on Record
Deed SaleMay 26, 2016 · Amount on Record
Prior SaleJan 31, 2013 · Amount on Record
Deed Book / Page12283 / 153
Transfer Doc012283-153
Record UpdatedOct 29, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELCHERTOWN MA
Property Address11 COTTAGE ST, BELCHERTOWN, MA 01007-9666
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number00015106-1
DateApr 10, 2024
Book Page15106/1
Instrument4888
Lender
NameUMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term121 Months
DueMay 1, 2034

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELCHERTOWN MA
Property Address11 COTTAGE ST, BELCHERTOWN, MA 01007-9666
Transaction TypeMortgage
Record UpdatedApr 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number014371-318
DateDec 2, 2021
Book Page14371/318
Instrument30040
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term181 Months
DueJan 1, 2037

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBELCHERTOWN MA
Property Address11 COTTAGE ST, BELCHERTOWN, MA 01007-9666
Document Number13676-58
Instrument DateJun 18, 2020
Transaction TypeMortgage
Record UpdatedJun 24, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address11 COTTAGE ST BELCHERTOWN MA 010079666, BELCHERTOWN, MA 01007-9666

Mortgage

Document Number13676-58
DateJun 29, 2020
Book Page013676/000058
Instrument12100
Lender
NamePENNYMAC
Agreement
AmountAmount Recorded
Term360 Months
DueJun 28, 2050

Tax Assessment & Valuation

Source: Hampshire County and Belchertown Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampshire County
County SubdivisionBelchertown Town
Unified School DistrictBelchertown School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,180.00 (+4.11%)$288,100 (+9.92%) Land $67,200 Building $220,900$380,000 (+6.04%)
2024$4,015.00 (-0.64%)$262,100 (+5.86%) Land $60,900 Building $201,200$358,340
2023$4,041.00$247,600 Land $55,800 Building $191,800

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

FEMA Flood ZoneNot on file

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

Wildfire

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

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within 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 SystemBELCHERTOWN WATER DISTRICT
serves 3,253 people · EPA ID MA1024000
Water SourceGroundwater
Last State InspectionMay 2026
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 164 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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