Hampshire County and Belchertown Town property record for 396 State St, Belchertown, MA 01007
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,430 sqft · built 1998 |
| Lot Size | 2.39 acres (104,108 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,226 (2025) |
| Deeds & Mortgages | Aug 2023 Refinance May 2021 Refinance |
| APN | BELC M:251 L:10.01 |
| Primary APN | BELC M:251 L:10.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,430 sqft Living Area |
| Gross Area | 5,244 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 104,108 sqft (2.39 acres) |
| Garage Type | Attached |
| Pool Type | In-Ground Pool |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 396 STATE ST |
|---|---|
| City | BELCHERTOWN |
| State | MA |
| Zip | 01007-9474 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Lot Number | 10.01 |
| Jurisdiction | BELCHERTOWN MA |
| Township / Civil Division | BELCHERTOWN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 820207 |
396 State St is owned and occupied by two individuals.
Source: Hampshire County and Belchertown Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 396 STATE ST, BELCHERTOWN, MA 01007-9474 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 28, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA) |
| May 5, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance EMBRACE HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELCHERTOWN MA |
| Property Address | 396 STATE ST, BELCHERTOWN, MA 01007-9474 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 014944-259 |
|---|---|
| Date | Aug 28, 2023 |
| Book Page | 14944/259 |
| Instrument | 13165 |
| Name | PEOPLESBANK (HOLYOKE MA) |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BELCHERTOWN MA |
| Property Address | 396 STATE ST, BELCHERTOWN, MA 01007-9474 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 14086-270 |
|---|---|
| Date | May 5, 2021 |
| Book Page | 14086/270 |
| Instrument | 10750 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 396 State St was $7,226, up 3.3% from the year before.
Source: Hampshire County and Belchertown Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampshire County |
| County Subdivision | Belchertown Town |
| Unified School District | Belchertown School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,226.00 (+3.35%) | $498,000 (+9.11%) Land $77,600 Building $420,400 | $417,145 (-) |
| 2024 | $6,992.00 (+3.08%) | $456,400 (+9.82%) Land $70,200 Building $386,200 | $417,145 |
| 2023 | $6,783.00 | $415,600 Land $65,700 Building $349,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 396 State St; 1 flood insurance policy is in force nearby.
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 | 1 in force |
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 risk around 396 State 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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