Hampshire County and Northampton City property record for 40 Howes St, Florence, MA 01062
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,806 sqft · built 1927 |
| Lot Size | 0.344 acres (14,980 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $58,000 (Dec 1983) |
| Tax Bill | $8,354 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit |
| APN | NHAM M:017A B:0173 L:0001 |
| Primary APN | NHAM M:017A B:0173 L:0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,806 sqft Living Area |
| 1st Floor Area | 676 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,980 sqft (0.344 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Street Address | 40 HOWES ST |
|---|---|
| City | FLORENCE |
| State | MA |
| Zip | 01062-1313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | URB |
| Legal Block | 173 |
| Legal Lot Number | 1 |
| Jurisdiction | NORTHAMPTON MA |
| Township / Civil Division | NORTHAMPTON |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 821602 |
Source: Hampshire County and Northampton City records, as of October 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 40 HOWES ST, FLORENCE, MA 01062-1313 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 1983 · Amount on Record |
| Deed Sale | Dec 1, 1983 · Amount on Record |
| Deed Book / Page | 2412 / 251 |
| Last Transfer Date | Mar 7, 2025 |
| Transfer Doc | 015367-135 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON MA |
| Recording Date | Jul 6, 2026 |
| Property Address | 40 HOWES ST, FLORENCE, MA 01062-1313 |
| Document Number | 0000010610 |
| Book / Page | 15768 / 108 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202610610 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000010610, |
|---|---|
| Date | Jul 6, 2026 |
| Book Page | 15768/108 |
| Instrument | 202610610 |
| Name | FLORENCE SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
Source: Hampshire County and Northampton City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampshire County |
| Municipality | Northampton City |
| Unified School District | Northampton School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,354.00 (+13.91%) | $599,700 (+29.52%) Land $172,000 Building $427,700 | $549,575 (+5.99%) |
| 2024 | $518,510 | ||
| 2023 | $7,334.00 | $463,000 Land $136,500 Building $326,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (1979) |
| Most Recent Claim | Mar 1979 · 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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHAMPTON WATER DIVISION serves 29,571 people · EPA ID MA1214000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 3 ppb (2022–2024) 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, 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.
Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
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