286 Main Rd, Montgomery (Westfield), MA 01085 Property Records

Hampden County and Montgomery Town property record for 286 Main Rd, Montgomery, MA 01085

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,720 sqft · built 1986
Lot Size	9.7 acres (422,532 sqft)
Owner	Individual Name on File
Last Sale	$367,900 (Sep 2018)
Tax Bill	$6,282 (2025)
Deeds & Mortgages	May 2021 Refinance May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:1 B:135 L:79-5`

Property Details

APN / Parcel Number

Primary APN	`M:1 B:135 L:79-5`
Alternative APN	`MONT M:1 B:7 L:79-5`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	5,832 sqft
Basement Area	1,504 sqft
Unfinished Basement	1,504 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	422,532 sqft (9.7 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	286 MAIN RD
City	MONTGOMERY
State	MA
Zip	01085-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7
Legal Lot Number	79-5
Jurisdiction	MONTGOMERY MA
Township / Civil Division	MONTGOMERY
Census Block Group	1
Census Block	1011
Census Tract	813002

Owner

Source: Hampden County and Montgomery Town 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	Individual Name on File
Mailing Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
May 4, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance US BANK NA
Sep 18, 2018	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2018 · Amount on File
Deed Sale	Sep 18, 2018 · Amount on File
Prior Sale	Jun 13, 2014 · Amount on File
Deed Book / Page	22364 / 513
Transfer Doc	022364-513
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023858-105
Date	May 3, 2021
Book Page	23858/105
Instrument	29838

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024531-67
Date	May 4, 2022
Book Page	24531/67
Instrument	27203

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2042

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026024-264
Date	Sep 12, 2025
Book Page	26024/264
Instrument	43077

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2065

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY MA
Property Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23094-183
Date	Feb 20, 2020
Book Page	23094/183
Instrument	9375

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2040

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTGOMERY MA
Recording Date	Sep 18, 2018
Property Address	286 MAIN RD, MONTGOMERY, MA 01085-9527
Document Number	22364-513
Book / Page	022364 / 000513
Instrument Date	Sep 18, 2018
Instrument	56065
Transaction Type	Transfer
Record Updated	Oct 9, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,710.74
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 SANDY HILL RD NORTHAMPTON MA 010622629, NORTHAMPTON, MA 01062-2629

Mortgage

Document Number	22364-516
Date	Sep 18, 2018
Book Page	022364/000516
Instrument	56066

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 17, 2038

Tax Assessment & Valuation

Source: Hampden County and Montgomery Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Montgomery Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,282.00 (+5.54%)	$554,000 (+38.22%) Land $112,300 Building $441,700	$599,925
2023	$5,952.00	$400,800 Land $104,700 Building $296,100

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, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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