4 E Orchard Ter, Adams, MA 01220 Property Records

Berkshire County and Adams Town property record for 4 E Orchard Ter, Adams, MA 01220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,344 sqft · built 1961
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$269,900 (Aug 2026)
Tax Bill	$4,235 (2025)
Deeds & Mortgages	Aug 2026 Second Mortgage Aug 2026 Sale & Mortgage
APN	`41190000001320`

Property Details

APN / Parcel Number

Primary APN	`41190000001320`
Alternative APNs	`ADAM M:1190 B:0000 L:01320` `M:000119 P:000132`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Hip
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	41190000001320
Street Address	4 E ORCHARD TER
City	ADAMS
State	MA
Zip	01220-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	1320
Jurisdiction	ADAMS MA
Township / Civil Division	ADAMS
Census Block Group	2
Census Block	2006
Census Tract	922300

Owner

4 E Orchard Ter is owned and occupied by two individuals who bought it in August 2026.

Source: Berkshire County and Adams Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4 E ORCHARD TER, ADAMS, MA 01220-2306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREYLOCK FEDERAL CREDIT UNION
Aug 12, 2026	Quit Claim Deed, Transfer · Conventional Mortgage GREYLOCK FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on File
Deed Sale	Aug 12, 2026 · Amount on File
Deed Document Number	20264576
Deed Book / Page	1926 / 886
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MA
Recording Date	Aug 12, 2026
Property Address	4 E ORCHARD TER, ADAMS, MA 01220-2306
Document Number	0000004578
Book / Page	1926 / 907
Instrument Date	Aug 11, 2026
Instrument	20264578
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004578,
Date	Aug 12, 2026
Book Page	1926/907
Instrument	20264578

Lender

Name	GREYLOCK FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Max Rate	-1%

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Aug 12, 2026
Property Address	4 E ORCHARD TER, ADAMS, MA 01220-2306
Document Number	0000004576
Book / Page	1926 / 886
Instrument Date	Aug 7, 2026
Instrument	20264576
Transaction Type	Transfer
Record Updated	Sep 1, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Date	Aug 12, 2026

Lender

Name	GREYLOCK FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.99%
Initial Type	Adjustable Rate
Type Change Date	Sep 1, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 4 E Orchard Ter was $4,235, up 6.1% from the year before.

Source: Berkshire County and Adams Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Berkshire County
County Subdivision	Adams Town
Unified School District	Hoosac Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,235.00 (+6.14%)	$249,000 (+9.45%) Land $54,300 Building $194,700	$263,968
2024	$3,990.00 (+7.61%)	$227,500 (+13.81%) Land $51,100 Building $176,400
2023	$3,708.00	$199,900 Land $46,400 Building $153,500

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 4 E Orchard Ter; there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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

Wildfire risk around 4 E Orchard Ter 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	ADAMS FIRE DISTRICT serves 7,945 people · EPA ID MA1004000
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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