185 Main St, Northfield, MA 01360 Property Records

Franklin County and Northfield Town property record for 185 Main St, Northfield, MA 01360

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,688 sqft · built 1925
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Sep 2004)
Tax Bill	$4,989 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2019 Mortgage
APN	`NFLD M:17A B:00A29 L:1`

Property Details

APN / Parcel Number

Primary APN	`NFLD M:17A B:00A29 L:1`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,688 sqft Living Area
Gross Area	5,555 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Slate
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	185 MAIN ST
City	NORTHFIELD
State	MA
Zip	01360-1012
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	A29
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

185 Main St, a duplex, is owned and occupied by two individuals who bought it in September 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	185 MAIN ST, NORTHFIELD, MA 01360-1012
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
Sep 27, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREENFIELD SAVINGS BANK
Sep 3, 2019	Deed of Trust, Mortgage · Balloon Mortgage GREENFIELD SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2004 · Amount on File
Deed Sale	Sep 1, 2004 · Amount on File
Prior Sale	Jul 14, 2000 · Amount on File
Deed Book / Page	4687 / 208
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	185 MAIN ST, NORTHFIELD, MA 01360-1012
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	008224-105
Date	Sep 27, 2023
Book Page	8224/105
Instrument	8383

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2033

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	185 MAIN ST, NORTHFIELD, MA 01360-1012
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7415-194
Date	Sep 3, 2019
Book Page	7415/194
Instrument	9062

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 185 Main St was $4,989, up 4.9% 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
2025	$4,989.00 (+4.85%)	$360,500 (+2.88%) Land $61,900 Building $298,600	$413,668
2024	$4,758.00 (+25.47%)	$350,400 (+25.5%) Land $58,400 Building $292,000
2023	$3,792.00	$279,200 Land $58,000 Building $221,200

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 185 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 185 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	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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