169 Cardinal Way, Northampton (Florence), MA 01062 Property Records

Hampshire County and Northampton City property record for 169 Cardinal Way, Northampton, MA 01062

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,065 sqft · built 2003
Lot Size	0.434 acres (18,905 sqft)
Owner	2 Individual Names on File
Last Sale	$475,000 (Sep 2019)
Tax Bill	$9,594 (2025)
Deeds & Mortgages	Mar 2021 Refinance May 2022 Line of Credit + 4 more
APN	`NHAM M:0036 B:0313 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:0036 B:0313 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,065 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	942 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	18,905 sqft (0.434 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	169 CARDINAL WAY
City	FLORENCE
State	MA
Zip	01062-9201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	313
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	3
Census Block	3008
Census Tract	822200

Owner

169 Cardinal Way is owned and occupied by two individuals who bought it in September 2019.

Source: Hampshire County and Northampton City 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 File
Mailing Address	169 CARDINAL WAY, FLORENCE, MA 01062-9201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 16, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 13, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 14, 2019	Deed of Trust, Mortgage · Balloon Mortgage MONSON SAVINGS BANK
Sep 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RESIDENTIAL MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2019 · Amount on File
Deed Sale	Sep 13, 2019 · Amount on File
Prior Sale	Dec 2, 2014 · Amount on File
Deed Document Number	201917647
Deed Book / Page	13390 / 185
Prior Transfer Date	Sep 6, 2019
Prior Transfer Doc	13390-185
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	169 CARDINAL WAY, NORTHAMPTON, MA 01062-9201
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014035-318
Date	Mar 31, 2021
Book Page	14035/318
Instrument	7477

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	169 CARDINAL WAY, NORTHAMPTON, MA 01062-9201
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014551-318
Date	May 16, 2022
Book Page	14551/318
Instrument	10100

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	169 CARDINAL WAY, NORTHAMPTON, MA 01062-9201
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015305-183
Date	Dec 13, 2024
Book Page	15305/183
Instrument	19608

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Recording Date	Apr 1, 2026
Property Address	169 CARDINAL WAY, FLORENCE, MA 01062-9201
Document Number	015683-165
Book / Page	15683 / 165
Instrument Date	Mar 19, 2026
Instrument	20264542
Transaction Type	Mortgage
Record Updated	Jul 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 CARDINAL WAY, FLORENCE, MA 01062-9201

Mortgage

Document Number	0000004542,
Date	Apr 1, 2026
Book Page	15683/165
Instrument	20264542

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	169 CARDINAL WAY, NORTHAMPTON, MA 01062-9201
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13287-330
Date	Jun 14, 2019
Book Page	13287/330
Instrument	9739

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2044

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Sep 13, 2019
Property Address	169 CARDINAL WAY, NORTHAMPTON, MA 01062-9201
Document Number	13390-185
Book / Page	13390 / 185
Instrument Date	Sep 6, 2019
Instrument	17647
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount on Record
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	153 DARTMOUTH ST, HOLYOKE, MA 01040-2045

Mortgage

Document Number	17648
Date	Sep 13, 2019
Instrument	17648

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 169 Cardinal Way was $9,594.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
Municipality	Northampton City
Unified School District	Northampton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,594.00	$688,700 Land $113,700 Building $575,000	$767,125 (+3.99%)
2024			$737,675
2023	$9,045.00	$571,000 Land $98,500 Building $472,500

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 169 Cardinal Way; there have been 2 flood claims nearby since 2022.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	2 (2022)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Feb 2022 · tidal / storm surge

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

Wildfire risk around 169 Cardinal Way 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	NORTHAMPTON WATER DIVISION serves 29,571 people · EPA ID MA1214000
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 103 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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