120 River Rd, Middlefield, MA 01243 Property Records

Hampshire County and Middlefield Town property record for 120 River Rd, Middlefield, MA 01243

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1950
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on Record
Last Sale	$339,000 (Oct 2025)
Tax Bill	$2,962 (2025)
Deeds & Mortgages	Jun 2021 Refinance Oct 2025 Sale & Mortgage + 1 more
APN	`MIDD M:410.0 B:0036 L:0000.0`

Property Details

APN / Parcel Number

Primary APN	`MIDD M:410.0 B:0036 L:0000.0`
Alternative APN	`MDFL M:410.0 B:0036 L:0000.0`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	120 RIVER RD
City	MIDDLEFIELD
State	MA
Zip	01243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Block	36
Jurisdiction	MIDDLEFIELD MA
Township / Civil Division	MIDDLEFIELD
Census Block Group	3
Census Block	3022
Census Tract	822700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	120 RIVER RD, MIDDLEFIELD, MA 01243
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Oct 14, 2025	Deed, Transfer · Conventional Mortgage TOTAL MORTGAGE SERVICES LLC
Sep 10, 2018	Warranty Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on Record
Deed Sale	Oct 14, 2025 · Amount on Record
Prior Sale	May 2, 2007 · Amount on Record
Deed Document Number	202516998
Deed Book / Page	15553 / 199
Transfer Doc	00013073-4
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIDDLEFIELD MA
Property Address	120 RIVER RD, MIDDLEFIELD, MA 01243
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014129-336
Date	Jun 4, 2021
Book Page	14129/336
Instrument	13580

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	MIDDLEFIELD MA
Recording Date	Oct 14, 2025
Property Address	120 RIVER RD, MIDDLEFIELD, MA 01243
Document Number	015553-199
Book / Page	15553 / 199
Instrument Date	Oct 10, 2025
Instrument	16998
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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
Relationship	Tenants by the Entirety

Mortgage

Document Number	0000016999
Date	Oct 14, 2025
Instrument	16999

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIDDLEFIELD MA
Recording Date	Sep 10, 2018
Property Address	120 RIVER RD, MIDDLEFIELD, MA 01243
Document Number	13073-4
Book / Page	013073 / 000004
Instrument Date	Aug 28, 2018
Instrument	451
Transaction Type	Transfer
Record Updated	Oct 2, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	130 GUNGY RD SALEM CT 064203921, SALEM, CT 06420-3921

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
County Subdivision	Middlefield Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,962.00 (-0.8%)	$162,400 (+7.91%) Land $25,800 Building $136,600	$227,240 (-0.83%)
2024	$2,986.00 (+19.87%)	$150,500 (-) Land $27,300 Building $123,200	$229,140
2023	$2,491.00	$150,500 Land $27,300 Building $123,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	5 in force
Nearby Flood Claims	5 (2001–2011)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Aug 2011 · Tropical Storm Irene
Claims by Event	Tropical Storm Irene, Aug 2011 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber · Cable in parts of the area	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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