12 Temple St, Adams, MA 01220 Property Records

Berkshire County and Adams Town property record for 12 Temple St, Adams, MA 01220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 948 sqft · built 1900
Lot Size	0.105 acres (4,574 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jan 2020)
Tax Bill	$3,467 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2021 Mortgage + 1 more
APN	`41190000002810`

Property Details

APN / Parcel Number

Primary APN	`41190000002810`
Alternative APNs	`ADAM M:1190 B:0000 L:02810` `M:000119 P:000281`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	948 sqft Living Area
1st Floor Area	948 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,574 sqft (0.105 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	41190000002810
Street Address	12 TEMPLE ST
City	ADAMS
State	MA
Zip	01220-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Lot Number	2810
Jurisdiction	ADAMS MA
Township / Civil Division	ADAMS
Census Block Group	1
Census Block	1020
Census Tract	922300

Owner

Source: Berkshire County and Adams 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 TEMPLE ST, ADAMS, MA 01220-2105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Oct 4, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREYLOCK FCU
Jan 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GREYLOCK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Jul 10, 2008 · Amount on Record
Deed Document Number	2020548
Deed Book / Page	1704 / 1014
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MA
Property Address	12 TEMPLE ST, ADAMS, MA 01220-2105
Transaction Type	Mortgage
Record Updated	May 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001854-106
Date	Apr 29, 2024
Book Page	1854/106
Instrument	2127

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MA
Property Address	12 TEMPLE ST, ADAMS, MA 01220-2105
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1767-877
Date	Oct 4, 2021
Book Page	1767/877
Instrument	6719

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Jan 30, 2020
Property Address	12 TEMPLE ST, ADAMS, MA 01220-2105
Document Number	1704-1014
Book / Page	1704 / 1014
Instrument Date	Jan 30, 2020
Instrument	548
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 TEMPLE ST, ADAMS, MA 01220-2105

Mortgage

Document Number	549
Date	Jan 30, 2020
Instrument	549

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2027

Tax Assessment & Valuation

Source: Berkshire County and Adams Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Berkshire County
County Subdivision	Adams Town
Unified School District	Hoosac Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,467.00 (+6.38%)	$203,800 (+9.69%) Land $34,100 Building $169,700	$224,190
2024	$3,259.00 (+8.06%)	$185,800 (+14.27%) Land $32,000 Building $153,800
2023	$3,016.00	$162,600 Land $29,400 Building $133,200

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	1 in force

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	Indirect 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 System	ADAMS FIRE DISTRICT serves 7,945 people · EPA ID MA1004000
Water Source	Groundwater
Last State Inspection	Aug 2024
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 317 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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