174 Main St, Northfield, MA 01360 Property Records

Franklin County and Northfield Town property record for 174 Main St, Northfield, MA 01360

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,879 sqft · built 1850
Lot Size	2.7 acres (117,612 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Aug 2026)
Tax Bill	$4,243 (2026)
Deeds & Mortgages	Aug 2026 Second Mortgage Aug 2026 Sale & Mortgage + 1 more
APN	`17 A7 1`

Property Details

APN / Parcel Number

Primary APN	`17 A7 1`
Alternative APN	`NFLD M:017 B:000A7 L:1`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,879 sqft Living Area
Gross Area	3,468 sqft
1st Floor Area	1,140 sqft
Basement Area	924 sqft
Unfinished Basement	924 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Slate
Lot Area	117,612 sqft (2.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	17 A7 1
Street Address	174 MAIN ST
City	NORTHFIELD
State	MA
Zip	01360-1033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Block	A7
Legal Lot Number	1
Jurisdiction	NORTHFIELD MA
Township / Civil Division	NORTHFIELD
Census Block Group	1
Census Block	1040
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

174 Main St is owned and occupied by two individuals who bought it in August 2026.

Source: Franklin County and Northfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	174 MAIN ST, NORTHFIELD, MA 01360-1033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENFIELD SAVINGS BANK
Aug 20, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GREENFIELD SAVINGS BANK
Oct 3, 2024	Redemption Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2026 · Amount on File
Deed Sale	Aug 20, 2026 · Amount on File
Prior Sale	May 25, 2017 · Amount on File
Deed Document Number	20267507
Deed Book / Page	8689 / 89
Prior Transfer Date	Aug 4, 2026
Prior Transfer Doc	0000007507
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Recording Date	Aug 20, 2026
Property Address	174 MAIN ST, NORTHFIELD, MA 01360-1033
Document Number	0000007509
Book / Page	8689 / 112
Instrument Date	Aug 20, 2026
Instrument	20267509
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 MAIN ST, NORTHFIELD, MA 01360-1033

Mortgage

Document Number	0000007509,
Date	Aug 20, 2026
Book Page	8689/112
Instrument	20267509

Lender

Name	GREENFIELD SAVINGS BANK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHFIELD MA
Recording Date	Aug 20, 2026
Property Address	174 MAIN ST, NORTHFIELD, MA 01360-1033
Document Number	0000007507
Book / Page	8689 / 89
Instrument Date	Aug 4, 2026
Instrument	20267507
Transaction Type	Transfer
Record Updated	Sep 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	174 MAIN ST, NORTHFIELD, MA 01360-1033

Mortgage

Date	Aug 20, 2026

Lender

Name	GREENFIELD SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4.13%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

October 2024: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	NORTHFIELD MA
Recording Date	Oct 3, 2024
Property Address	174 MAIN ST, NORTHFIELD, MA 01360-1033
Document Number	008381-187
Book / Page	8381 / 187
Instrument Date	Sep 27, 2024
Instrument	9118
Transaction Type	Transfer
Record Updated	Feb 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 174 Main St was $4,243, up 3.3% from the year before.

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	Assessed Market Value
2026	$4,243.00 (+3.26%)	$319,500 (+7.61%) Land $83,400 Building $236,100	$315,294
2025	$4,109.00 (+5.14%)	$296,900 (+3.16%) Land $72,500 Building $224,400
2024	$3,908.00 (+9.68%)	$287,800 (+9.68%) Land $68,300 Building $219,500	$303,715
2023	$3,563.00	$262,400 Land $67,900 Building $194,500

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 174 Main St; 3 flood insurance policies are in force nearby.

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

Wildfire risk around 174 Main 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	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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