405 Main Rd, Monterey, MA 01245 Property Records

Berkshire County and Monterey Town property record for 405 Main Rd, Monterey, MA 01245

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,512 sqft · built 1905
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (Apr 2017)
Tax Bill	$4,517 (2026)
Deeds & Mortgages	May 2023 Refinance Apr 2017 Sale & Mortgage
APN	`M:0016 B:0000 L:76`

Property Details

APN / Parcel Number

Primary APN	`M:0016 B:0000 L:76`
Alternative APNs	`MONT M:0108 B:0024 L:0` `MTRY M:0108 B:0024 L:0`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Gross Area	3,104 sqft
1st Floor Area	840 sqft
Basement Area	882 sqft
Unfinished Basement	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	405 MAIN RD
City	MONTEREY
State	MA
Zip	01245-9716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	24
Jurisdiction	MONTEREY MA
Township / Civil Division	MONTEREY
Census Block Group	2
Census Block	2046
Census Tract	933200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	4700 CONNECTICUT AVE NW, 404, WASHINGTON, DC 20008-5608
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK-FUND STAFF FCU
Apr 24, 2017	Quit Claim Deed, Transfer BANK-FUND STAFF FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2017 · Amount on Record
Deed Sale	Apr 24, 2017 · Amount on Record
Prior Sale	Nov 1, 2005 · Amount on Record
Deed Book / Page	2412 / 275
Transfer Doc	002412-275
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEREY MA
Property Address	405 MAIN RD, MONTEREY, MA 01245-9716
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002839-266
Date	May 11, 2023
Book Page	2839/266
Instrument	275217

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEREY MA
Recording Date	Apr 24, 2017
Property Address	405 MAIN RD, MONTEREY, MA 01245-9716
Document Number	002412-275
Book / Page	2412 / 275
Instrument	243784
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.21
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024120278
Date	Apr 24, 2017
Instrument	02412/0278

Lender

Name	BANK-FUND STAFF FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 24, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Berkshire County
County Subdivision	Monterey Town
Unified School District	Southern Berkshire School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,517.00 (+14.35%)	$625,600 (+1.99%) Land $96,000 Building $529,600	$593,982
2025	$3,950.00 (+5.05%)	$613,400 (-) Land $94,100 Building $519,300
2024	$3,760.00 (+22.84%)	$613,400 (+22.02%) Land $94,100 Building $519,300
2023	$3,061.00	$502,700 Land $94,100 Building $408,600

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
Nearby Flood Policies	9 in force
Nearby Flood Claims	21 (1984–2011)
Claims Outside the SFHA	7 of 21
Most Recent Claim	Sep 2011 · river or lake flooding
Claims by Event	Tropical Storm Irene, Aug 2011 · 9 claims Severe Storms And Flooding, Oct 2005 · 5 claims

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	MONTEREY WATER COMPANY private · serves 138 people · EPA ID MA1193000
Water Source	Groundwater
Last State Inspection	May 2024
Lead	3 ppb (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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fiber Connect Fiber	8,500 / 8,500

Cell Coverage

5G (outdoors only) and 4G LTE

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