12 Main St, Montague, MA 01351 Property Records

Franklin County and Montague Town property record for 12 Main St, Montague, MA 01351

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,872 sqft · built 1900
Lot Size	0.69 acres (30,056 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,797 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Dec 2022 Mortgage
APN	`MONT M:0043 B:0000 L:7`

Property Details

APN / Parcel Number

Primary APN	`MONT M:0043 B:0000 L:7`
Alternative APN	`MTGU M:0043 B:0000 L:7`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	3,905 sqft
Basement Area	363 sqft
Unfinished Basement	363 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	12 MAIN ST
City	MONTAGUE
State	MA
Zip	01351-8900
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF
Legal Lot Number	7
Jurisdiction	MONTAGUE MA
Township / Civil Division	MONTAGUE
Census Block Group	4
Census Block	4029
Census Tract	40702

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Montague Center Historic District listed 2001 · 178 contributing resources · NRIS 01001236

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Franklin County and Montague Town 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	12 MAIN ST, MONTAGUE, MA 01351-8900
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · ARM MUTUAL OF OMAHA MORTGAGE
Dec 29, 2022	Deed of Trust, Mortgage · ARM SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2015
Deed Sale	May 22, 2015
Prior Sale	Mar 11, 1993 · Amount on Record
Deed Document Number	20154649
Deed Book / Page	6688 / 334
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE MA
Property Address	12 MAIN ST, MONTAGUE, MA 01351-8900
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008117-319
Date	Dec 29, 2022
Book Page	8117/319
Instrument	14259

Lender

Name	MUTUAL OF OMAHA MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded
Term	865 Months
Due	Jan 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	7.2%
Type Change Date	Feb 1, 2023
Index	1-Year CMT

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTAGUE MA
Property Address	12 MAIN ST, MONTAGUE, MA 01351-8900
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00008118-1
Date	Dec 29, 2022
Book Page	8118/1
Instrument	14260

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	ARM
Amount	Amount Recorded
Term	865 Months
Due	Jan 1, 2095

Interest

Rate Type	Adjustable Rate
Rate	7.2%
Type Change Date	Feb 1, 2023
Index	1-Year CMT

Tax Assessment & Valuation

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	$4,797.00 (+2.76%)	$315,400 (+6.09%) Land $107,200 Building $208,200	$374,488 (+7.26%)
2024	$4,668.00 (+1.72%)	$297,300 (+1.4%) Land $107,200 Building $190,100	$349,125
2023	$4,589.00	$293,200 Land $107,200 Building $186,000

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (1996–2008)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2008 · rainfall accumulation

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	Direct burnable vegetation

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	MONTAGUE CENTER WATER DISTRICT serves 450 people · EPA ID MA1192003
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2021–2023) 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 82 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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