Franklin County and Deerfield Town property record for 312 Lower Rd, Deerfield, MA 01342
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,336 sqft · built 1991 |
| Lot Size | 1.9 acres (82,777 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,278 (2025) |
| Deeds & Mortgages | Jan 2024 Refinance Nov 2021 Line of Credit + 1 more |
| APN | DEER M:29 L:4 |
| Primary APN | DEER M:29 L:4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,336 sqft Living Area |
| Gross Area | 5,333 sqft |
| Basement Area | 956 sqft |
| Unfinished Basement | 956 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Colonial |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 82,777 sqft (1.9 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 3 0 272 |
|---|---|
| Street Address | 312 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 | 4 |
| Jurisdiction | DEERFIELD MA |
| Township / Civil Division | DEERFIELD |
| Census Block Group | 1 |
| Census Block | 1099 |
| Census Tract | 40900 |
Source: Franklin County and Deerfield Town records · APN DEER M:29 L:4
Assessment roll updated April 14, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 312 LOWER RD, DEERFIELD, MA 01342-9734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 31, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK |
| Nov 23, 2021 | Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK |
| Jan 04, 2017 | Deed of Trust, Mortgage · ARM PEOPLES UNITED BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEERFIELD MA |
| Property Address | 312 LOWER RD, DEERFIELD, MA 01342-9734 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0008275-62 |
|---|---|
| Date | Jan 31, 2024 |
| Book Page | 8275/62 |
| Instrument | 202400000855 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEERFIELD MA |
| Property Address | 312 LOWER RD, DEERFIELD, MA 01342-9734 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7901-136 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 7901/136 |
| Instrument | 15388 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEERFIELD MA |
| Property Address | 312 LOWER RD, DEERFIELD, MA 01342-9734 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 6975-75 |
|---|---|
| Date | Jan 04, 2017 |
| Book Page | 6975/75 |
| Instrument | 62 |
| Name | PEOPLES UNITED BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
Source: Franklin County and Deerfield Town records · Assessment roll updated April 14, 2026 · Last verified April 2026
| 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,278.00 (+3.48%) | $549,300 (+8.17%) Land $132,600 Building $416,700 | |
| 2024 | $7,033.00 (+7.26%) | $507,800 (+15.94%) Land $123,300 Building $384,500 | $458,375 |
| 2023 | $6,557.00 | $438,000 Land $92,500 Building $345,500 |
Source: FEMA National Flood Hazard Layer · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Based on FCC filings for 14 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | DEERFIELD FIRE DISTRICT serves 1,300 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 8 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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