322 Cold Spring Rd, Belchertown, MA 01007 Property Records

Hampshire County and Belchertown Town property record for 322 Cold Spring Rd, Belchertown, MA 01007 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,950 sqft · built 1992
Lot Size	4.53 acres (197,327 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Oct 2017)
Tax Bill	$5,710 (2025)
Deeds & Mortgages	Apr 2026 Second Mortgage Oct 2017 Sale & Mortgage
APN	`BELC M:259 L:27`

Property Details

APN / Parcel Number

Primary APN	`BELC M:259 L:27`
Alternative APN	`11411`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,950 sqft Living Area
Gross Area	3,616 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	197,327 sqft (4.53 acres)
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11411
Street Address	322 COLD SPRING RD
City	BELCHERTOWN
State	MA
Zip	01007-9855
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	27
Jurisdiction	BELCHERTOWN MA
Township / Civil Division	BELCHERTOWN
Census Block Group	1
Census Block	1004
Census Tract	820205

Owner

Source: Hampshire County and Belchertown Town records · APN BELC M:259 L:27

Assessment roll updated April 14, 2026 · Last verified July 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	322 COLD SPRING RD, BELCHERTOWN, MA 01007-9855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BRIDGE CREDIT UNION
Oct 31, 2017	Quit Claim Deed, Transfer · Conventional with PMI ARRHA CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 31, 2017 · Amount on Record
Deed Sale	Oct 31, 2017 · Amount on Record
Prior Sale	Feb 12, 2016 · Amount on Record
Deed Document Number	201722906
Deed Book / Page	12793 / 86
Transfer Doc	10016-30
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BELCHERTOWN MA
Recording Date	Apr 29, 2026
Property Address	322 COLD SPRING RD, BELCHERTOWN, MA 01007-9855
Document Number	015704-294
Book / Page	15704 / 294
Instrument Date	Apr 24, 2026
Instrument	20266106
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 COLD SPRING RD, BELCHERTOWN, MA 01007-9855

Mortgage

Document Number	0000006106,
Date	Apr 29, 2026
Book Page	15704/294
Instrument	20266106

Lender

Name	BRIDGE CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate	5.75%
Max Rate	-1%

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BELCHERTOWN MA
Recording Date	Oct 31, 2017
Property Address	322 COLD SPRING RD, BELCHERTOWN, MA 01007-9855
Document Number	12793-86
Book / Page	012793 / 000086
Instrument Date	Oct 31, 2017
Instrument	22906
Transaction Type	Transfer
Record Updated	Nov 21, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	581 STATE ST BELCHERTOWN MA 010079785, BELCHERTOWN, MA 01007-9785

Mortgage

Document Number	12793-90
Date	Oct 31, 2017
Book Page	012793/000090
Instrument	22907

Lender

Name	ARRHA CU

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2047

Tax Assessment & Valuation

Source: Hampshire County and Belchertown Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
County Subdivision	Belchertown Town
Unified School District	Belchertown School District (PK - 12)

Tax Bill & Assessment History

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	$5,710.00 (+2.16%)	$393,500 (+7.87%) Land $90,500 Building $303,000	$409,735 (+3.93%)
2024	$5,589.00 (+3.65%)	$364,800 (+10.41%) Land $82,500 Building $282,300	$394,250
2023	$5,392.00	$330,400 Land $78,200 Building $252,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250158202051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Not on file
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 22 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

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