40 Oak St, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 40 Oak St, Florence, MA 01062

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,072 sqft · built 2005
Lot Size	0.287 acres (12,502 sqft)
Owner	Individual Name on Record
Last Sale	$536,000 (Oct 2019)
Tax Bill	$11,925 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2020 Refinance + 2 more
APN	`NHAM M:017C B:0323 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:017C B:0323 L:0001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	800 sqft
Basement Area	500 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2009
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	12,502 sqft (0.287 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	40 OAK ST
City	FLORENCE
State	MA
Zip	01062-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Legal Block	323
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	2
Census Block	2007
Census Tract	821700

Owner

Source: Hampshire County and Northampton City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	40 OAK ST, FLORENCE, MA 01062-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2020	Deed of Trust, Mortgage · Balloon Mortgage GREENFIELD SAVINGS BANK
Jun 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MOVEMENT MORTGAGE
Oct 31, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MOVEMENT MORTGAGE
Oct 20, 2017	Quit Claim Deed, Transfer MERRIMACK MTG CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2019 · Amount on Record
Deed Sale	Oct 31, 2019 · Amount on Record
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	201921659
Deed Book / Page	13443 / 20
Prior Transfer Date	Oct 20, 2019
Prior Transfer Doc	13443-20
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	40 OAK ST, NORTHAMPTON, MA 01062-1315
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13566-200
Date	Mar 17, 2020
Book Page	13566/200
Instrument	4884

Lender

Name	GREENFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	40 OAK ST, NORTHAMPTON, MA 01062-1315
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13681-226
Date	Jun 30, 2020
Book Page	13681/226
Instrument	12397

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Oct 31, 2019
Property Address	40 OAK ST, NORTHAMPTON, MA 01062-1315
Document Number	13443-20
Book / Page	13443 / 20
Instrument Date	Oct 20, 2019
Instrument	21659
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 BAYBERRY DR, EASTHAMPTON, MA 01027-2735

Mortgage

Document Number	21660
Date	Oct 31, 2019
Instrument	21660

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Oct 20, 2017
Property Address	40 OAK ST, NORTHAMPTON, MA 01062-1315
Document Number	12781-191
Book / Page	12781 / 191
Instrument	22037
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.62
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 OAK ST, NORTHAMPTON, MA 01062-1315

Mortgage

Document Number	127810194
Date	Oct 20, 2017
Instrument	12781/0194

Lender

Name	MERRIMACK MTG CO

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2047

Tax Assessment & Valuation

Source: Hampshire County and Northampton City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
Municipality	Northampton City
Unified School District	Northampton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,925.00 (+16.93%)	$856,100 (+32.98%) Land $171,000 Building $685,100	$756,105 (+3.3%)
2024			$731,975
2023	$10,198.00	$643,800 Land $135,700 Building $508,100

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

Flood

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	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

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	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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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