308 Lower Rd, Deerfield, MA 01342 Property Records

Franklin County and Deerfield Town property record for 308 Lower Rd, Deerfield, MA 01342

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,916 sqft · built 1989
Lot Size	2.2 acres (95,845 sqft)
Owner	Individual Name on Record
Tax Bill	$8,580 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Mortgage
APN	`DEER M:39 L:7`

Property Details

APN / Parcel Number

Primary APN	`DEER M:39 L:7`
Alternative APNs	`M:0003 B:0000 L:0271` `3 0 271`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,916 sqft Living Area
Gross Area	5,416 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	95,845 sqft (2.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	3 0 271
Street Address	308 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	7
Jurisdiction	DEERFIELD MA
Township / Civil Division	DEERFIELD
Census Block Group	1
Census Block	1099
Census Tract	40900

Owner

Source: Franklin County and Deerfield 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	Individual Name on Record
Mailing Address	308 LOWER RD, DEERFIELD, MA 01342-9734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Balloon Mortgage PEOPLES UNITED BANK
Aug 21, 2020	Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2010
Deed Sale	Apr 23, 2010
Prior Sale	Apr 23, 2010
Deed Document Number	20104045
Deed Book / Page	5847 / 22
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEERFIELD MA
Property Address	308 LOWER RD, DEERFIELD, MA 01342-9734
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7593-225
Date	Aug 21, 2020
Book Page	7593/225
Instrument	8390

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DEERFIELD MA
Property Address	308 LOWER RD, DEERFIELD, MA 01342-9734
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7593-206
Date	Aug 21, 2020
Book Page	7593/206
Instrument	8389

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.88%
Type Change Date	Sep 1, 2030
Index	LIBOR

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	$8,580.00 (+4.85%)	$637,900 (+3.29%) Land $149,600 Building $480,600	$681,952 (+5.58%)
2025	$8,183.00 (+3.98%)	$617,600 (+8.69%) Land $149,400 Building $468,200
2024	$7,870.00 (+7.48%)	$568,200 (+16.17%) Land $138,900 Building $429,300	$645,905
2023	$7,322.00	$489,100 Land $104,500 Building $384,600

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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