188 River St, Bernardston, MA 01337 Property Records

Franklin County and Bernardston Town property record for 188 River St, Bernardston, MA 01337

Property Summary

Property Type	Duplex
Details	3 bd · 3 ba · 2,632 sqft · built 1954
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on Record
Tax Bill	$5,859 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2022 Transfer + 1 more
APN	`290030000300120`

Property Details

APN / Parcel Number

Primary APN	`290030000300120`
Alternative APN	`BERN M:0030 B:0003 L:00120`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,632 sqft Living Area
Gross Area	4,594 sqft
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Unfinished Basement	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Oil

Location & Zoning

Account Number	290030000300120
Street Address	188 RIVER ST
City	BERNARDSTON
State	MA
Zip	01337-9668
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RA
Legal Block	3
Legal Lot Number	120
Jurisdiction	BERNARDSTON MA
Township / Civil Division	BERNARDSTON
Census Block Group	2
Census Block	2024
Census Tract	40200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	188 RIVER ST, BERNARDSTON, MA 01337-9668
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit GREENFIELD COOPERATIVE BANK
Jan 12, 2022	Correction Deed
Dec 21, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 20, 2021
Transfer Doc	0007920-73
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERNARDSTON MA
Property Address	188 RIVER ST, BERNARDSTON, MA 01337-9668
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008565-31
Date	Nov 13, 2025
Book Page	8565/31
Instrument	10408

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2050

January 2022: Correction Deed

Document Type	Correction Deed
Jurisdiction	BERNARDSTON MA
Recording Date	Jan 12, 2022
Property Address	188 RIVER ST, BERNARDSTON, MA 01337-9668
Document Number	007931-309
Book / Page	7931 / 309
Instrument Date	Jan 12, 2022
Instrument	377
Record Updated	Jan 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RIVER ST, BERNARDSTON, MA 01337-9668

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BERNARDSTON MA
Recording Date	Dec 21, 2021
Property Address	188 RIVER ST, BERNARDSTON, MA 01337-9668
Document Number	0007920-73
Book / Page	7920 / 73
Instrument Date	Dec 20, 2021
Instrument	16706
Transaction Type	Transfer
Record Updated	Jan 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RIVER ST, BERNARDSTON, MA 01337-9668
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,859.00 (-4.69%)	$410,600 (+6.82%) Land $53,000 Building $357,600	$389,545
2023	$6,147.00	$384,400 Land $51,200 Building $333,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	1 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	BERNARDSTON FIRE WATER DIST serves 1,471 people · EPA ID MA1029000
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	1 ppb (2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Jun 2016
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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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