286 Middle St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 286 Middle St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,060 sqft · built 1989
Lot Size	0.706 acres (30,757 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Mar 1990)
Tax Bill	$14,428 (2026)
Deeds & Mortgages	Oct 2026 Sale Apr 2025 Line of Credit
APN	`23D000081`

Property Details

APN / Parcel Number

Primary APN	`23D000081`
Alternative APN	`AMHE M:0023D B:0000 L:0081`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,060 sqft Living Area
Gross Area	6,147 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,757 sqft (0.706 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	23D000081
Street Address	286 MIDDLE ST
City	AMHERST
State	MA
Zip	01002-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	81
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2005
Census Tract	820801

Owner

Source: Hampshire County and Amherst Town City records, as of October 21, 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 Record
Mailing Address	286 MIDDLE ST, AMHERST, MA 01002-3014
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2026	Personal Representative Deed, Transfer
Apr 8, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 1990 · Amount on Record
Deed Sale	Mar 16, 1990 · Amount on Record
Deed Document Number	1990
Record Updated	Oct 29, 2026

October 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	AMHERST MA
Recording Date	Oct 1, 2026
Property Address	286 MIDDLE ST, AMHERST, MA 01002-3014
Document Number	0000017038
Book / Page	15858 / 300
Instrument Date	Oct 1, 2026
Instrument	202617038
Transaction Type	Transfer
Record Updated	Oct 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 MIDDLE ST, AMHERST, MA 01002-3014

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	286 MIDDLE ST, AMHERST, MA 01002-3014
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015390-327
Date	Apr 8, 2025
Book Page	15390/327
Instrument	5234

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

Source: Hampshire County and Amherst Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
Municipality	Amherst Town City
County	Hampshire County
Elementary School District	Amherst School District (PK - 06)
Secondary School District	Amherst-Pelham School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$14,428.00 (+2.33%)	$853,200 (+8.62%) Land $237,000 Building $616,200	$804,722 (-12.41%)
2025	$14,100.00 (+2.66%)	$785,500 (+5.86%) Land $217,600 Building $567,900	$918,745
2024	$13,734.00 (+5.35%)	$742,000 (+14.4%) Land $205,400 Building $536,600
2023	$13,037.00	$648,600 Land $186,600 Building $462,000

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

FEMA Flood Zone	Not on file

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	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	AMHERST DPW WATER DIVISION serves 39,263 people · EPA ID MA1008000
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 73 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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