305 Lower Rd, Deerfield, MA 01342 Property Records

Franklin County and Deerfield Town property record for 305 Lower Rd, Deerfield, MA 01342

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,305 sqft · built 1985
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,000 (Apr 2010)
Tax Bill	$5,096 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Feb 2020 Mortgage
APN	`DEER M:39 L:5`

Property Details

APN / Parcel Number

Primary APN	`DEER M:39 L:5`
Alternative APNs	`M:0003 B:0000 L:0236` `3 0 236`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,305 sqft Living Area
Gross Area	2,226 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	3 0 236
Street Address	305 LOWER RD
City	DEERFIELD
State	MA
Zip	01342-9734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Lot Number	5
Jurisdiction	DEERFIELD MA
Township / Civil Division	DEERFIELD
Census Block Group	1
Census Block	1094
Census Tract	40900

Owner

Source: Franklin County and Deerfield Town records, as of October 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	2 Individual Names on Record
Mailing Address	305 LOWER RD, DEERFIELD, MA 01342-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2024	Deed of Trust, Mortgage · Line of Credit FRANKLIN FIRST FEDERAL CREDIT UNION
Feb 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORENCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2010 · Amount on Record
Deed Sale	Apr 23, 2010 · Amount on Record
Prior Sale	Jul 31, 1997 · Amount on Record
Deed Document Number	20104070
Deed Book / Page	5847 / 118
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEERFIELD MA
Property Address	305 LOWER RD, DEERFIELD, MA 01342-9734
Transaction Type	Mortgage
Record Updated	Mar 15, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008284-85
Date	Feb 26, 2024
Book Page	8284/85
Instrument	1546

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEERFIELD MA
Property Address	305 LOWER RD, DEERFIELD, MA 01342-9734
Document Number	7496-63
Instrument Date	Feb 5, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 LOWER RD DEERFIELD MA 013429734, DEERFIELD, MA 01342-9734

Mortgage

Document Number	7496-63
Date	Feb 10, 2020
Book Page	007496/000063
Instrument	1334

Lender

Name	FLORENCE BK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Deerfield Town
Elementary School District	Deerfield School District (PK - 06)
Secondary School District	Frontier School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,096.00 (+6.19%)	$378,900 (+4.61%) Land $144,100 Building $223,400	$394,365 (+18.17%)
2025	$4,799.00 (+4.49%)	$362,200 (+9.23%) Land $144,100 Building $218,100
2024	$4,593.00 (+9.33%)	$331,600 (+18.18%) Land $134,100 Building $197,500	$333,735
2023	$4,201.00	$280,600 Land $100,100 Building $180,500

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	8 in force
Nearby Flood Claims	7 (1984–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Tropical Storm Irene, Aug 2011 · 4 claims

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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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	DEERFIELD FIRE DISTRICT serves 1,300 people · EPA ID MA1074000
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	8 ppb (2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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