125 Gray St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 125 Gray St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,133 sqft · built 2016
Lot Size	0.645 acres (28,102 sqft)
Owner	2 Individual Names on File
Last Sale	$100,000 (Jan 2016)
Tax Bill	$15,089 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2018 Line of Credit + 1 more
APN	`11D000279`

Property Details

APN / Parcel Number

Primary APN	`11D000279`
Alternative APN	`AMHE M:0011D B:0000 L:0279`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,133 sqft Living Area
Gross Area	5,565 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Roof Type	Gable
Roof Material	Asphalt
Lot Area	28,102 sqft (0.645 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	11D000279
Street Address	125 GRAY ST
City	AMHERST
State	MA
Zip	01002-2105
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	279
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2008
Census Tract	820500

Owner

125 Gray St is owned and occupied by two individuals who bought it in January 2016.

Source: Hampshire County and Amherst Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	125 GRAY ST, AMHERST, MA 01002-2105
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 3, 2026	Deed of Trust, Mortgage GREENFIELD SAVINGS BANK
Jan 9, 2018	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLL FCU
Aug 5, 2019	Deed of Trust, Mortgage · Balloon Mortgage UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2016 · Amount on File
Deed Sale	Jan 19, 2016 · Amount on File
Deed Document Number	2016987
Deed Book / Page	12178 / 337
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	125 GRAY ST, AMHERST, MA 01002-2105
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015662-61
Date	Mar 3, 2026
Book Page	15662/61
Instrument	2999

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	125 GRAY ST, AMHERST, MA 01002-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12852-151
Date	Jan 9, 2018
Book Page	12852/151
Instrument	430

Lender

Name	UMASS/FIVE COLL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	228 Months
Due	Jan 1, 2037

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	125 GRAY ST, AMHERST, MA 01002-2105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13346-53
Date	Aug 5, 2019
Book Page	13346/53
Instrument	14227

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 125 Gray St was $15,089, up 1.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
Municipality	Amherst Town City
County	Hampshire County
Elementary School District	Amherst School District (PK - 06)
Secondary School District	Amherst-Pelham School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,089.00 (+1.9%)	$892,300 (+8.17%) Land $222,800 Building $669,500	$945,794 (+23.7%)
2025	$14,807.00 (+2.71%)	$824,900 (+5.91%) Land $204,600 Building $620,300	$764,560
2024	$14,417.00 (+5.6%)	$778,900 (+14.68%) Land $193,100 Building $585,800
2023	$13,652.00	$679,200 Land $175,700 Building $503,500

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 125 Gray St.

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 125 Gray St 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	AMHERST DPW WATER DIVISION serves 39,263 people · EPA ID MA1008000
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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