173 Main St, Northfield, MA 01360 Property Records

Franklin County and Northfield Town property record for 173 Main St, Northfield, MA 01360

Property Summary

Property Type	Triplex
Details	6 bd · 3.5 ba · 4,104 sqft · built 1836
Lot Size	2.03 acres (88,427 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Aug 2004)
Tax Bill	$6,746 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Nov 2021 Line of Credit + 1 more
APN	`NFLD M:17A B:00A23 L:1`

Property Details

APN / Parcel Number

Primary APN	`NFLD M:17A B:00A23 L:1`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	3 Units
Stories	2 Stories
Building Area	4,104 sqft Living Area
Gross Area	8,843 sqft
1st Floor Area	2,028 sqft
Basement Area	2,028 sqft
Unfinished Basement	2,028 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1836
Effective Year Built	Effective 1836
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	88,427 sqft (2.03 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	173 MAIN ST
City	NORTHFIELD
State	MA
Zip	01360-1066
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RA
Legal Subdivision	NORTHFIELD
Legal Block	A23
Legal Lot Number	1
Jurisdiction	NORTHFIELD MA
Township / Civil Division	NORTHFIELD
Census Block Group	1
Census Block	1049
Census Tract	40300

Historic Designation

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

Historic District	Within the Northfield Main Street Historic District listed 1982 · 47 contributing resources · NRIS 82004965

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

Owner

Source: Franklin County and Northfield Town records, as of April 14, 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	173 MAIN ST, NORTHFIELD, MA 01360-1066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 4, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 21, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GREENFIELD SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2004 · Amount on Record
Deed Sale	Aug 2, 2004 · Amount on Record
Prior Sale	Aug 11, 1997 · Amount on Record
Deed Book / Page	4664 / 189
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Recording Date	Jul 7, 2026
Property Address	173 MAIN ST, NORTHFIELD, MA 01360-1066
Document Number	0000005925
Book / Page	8667 / 336
Instrument Date	Dec 20, 2025
Instrument	20265925
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 MAIN ST, NORTHFIELD, MA 01360-1066

Mortgage

Document Number	0000005925,
Date	Jul 7, 2026
Book Page	8667/336
Instrument	20265925

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	6.26%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	173 MAIN ST, NORTHFIELD, MA 01360-1066
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7887-1
Date	Nov 4, 2021
Book Page	7887/1
Instrument	14373

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	173 MAIN ST, NORTHFIELD, MA 01360-1066
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7527-38
Date	Apr 21, 2020
Book Page	7527/38
Instrument	3617

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

Source: Franklin County and Northfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Northfield Town
Unified School District	Pioneer Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$6,746.00 (+2.73%)	$487,400 (+0.79%) Land $71,100 Building $416,300
2024	$6,567.00 (+26.48%)	$483,600 (+26.5%) Land $67,000 Building $416,600
2023	$5,192.00	$382,300 Land $66,600 Building $315,700

Assessed value is set for property tax purposes and is not a market price estimate.

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

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	EAST NORTHFIELD WATER CO private · serves 659 people · EPA ID MA1217001
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	4 ppb (2023–2025) 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 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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