328 Middle St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 328 Middle St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,039 sqft · built 1986
Lot Size	1.51 acres (65,862 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Aug 2011)
Tax Bill	$14,560 (2026)
Deeds & Mortgages	May 2023 Refinance Jul 2021 Refinance
APN	`23D000085`

Property Details

APN / Parcel Number

Primary APN	`23D000085`
Alternative APN	`AMHE M:0023D B:0000 L:0085`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,039 sqft Living Area
Gross Area	6,531 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,862 sqft (1.51 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	23D000085
Street Address	328 MIDDLE ST
City	AMHERST
State	MA
Zip	01002-3016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HOWARD W ATKINS
Legal Lot Number	85
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2005
Census Tract	820801

Owner

328 Middle St is owned and occupied by two individuals who bought it in August 2011.

Source: Hampshire County and Amherst Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	328 MIDDLE ST, AMHERST, MA 01002-3016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Jul 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2011 · Amount on File
Deed Sale	Aug 15, 2011 · Amount on File
Deed Document Number	20111
Deed Book / Page	10628 / 98
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	328 MIDDLE ST, AMHERST, MA 01002-3016
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014867-36
Date	May 24, 2023
Book Page	14867/36
Instrument	7436

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Jun 1, 2033

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	328 MIDDLE ST, AMHERST, MA 01002-3016
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014188-326
Date	Jul 19, 2021
Book Page	14188/326
Instrument	17693

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	289 Months
Due	Aug 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 328 Middle St was $14,560, up 10,765.7% from the year before.

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	$14,560.00 (+10,765.67%)	$861,000 (+14.77%) Land $241,900 Building $619,100	$848,197 (+8.87%)
2025	$134.00 (-98.96%)	$750,200 (+8.07%) Land $222,500 Building $527,700	$779,095
2024	$12,850.00 (+5.22%)	$694,200 (+14.25%) Land $210,300 Building $483,900
2023	$12,213.00	$607,600 Land $191,500 Building $416,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 328 Middle St.

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

Wildfire risk around 328 Middle St is low, with a 0.01% annual chance of 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	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	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.

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