409 Main Rd, Chesterfield, MA 01012 Property Records

Hampshire County and Chesterfield Town property record for 409 Main Rd, Chesterfield, MA 01012

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,752 sqft · built 1860
Lot Size	2.32 acres (101,321 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Feb 2025)
Tax Bill	$10,091 (2026)
Deeds & Mortgages	Dec 2025 Second Mortgage Apr 2020 Sale & Mortgage
APN	`CHES M:25B P:0006`

Property Details

APN / Parcel Number

Primary APN	`CHES M:25B P:0006`
Alternative APNs	`M:25B P:0006.00 D:01` `CFLD M:25B P:0006` `797`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	3 Stories
Building Area	3,752 sqft Living Area
Gross Area	6,034 sqft
Basement Area	2,282 sqft
Unfinished Basement	2,282 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	101,321 sqft (2.32 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	797
Street Address	409 MAIN RD
City	CHESTERFIELD
State	MA
Zip	01012-9721
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ALL PA
Jurisdiction	CHESTERFIELD MA
Township / Civil Division	CHESTERFIELD
Census Block Group	4
Census Block	4048
Census Tract	822607

Owner

Source: Hampshire County and Chesterfield 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	409 MAIN RD, CHESTERFIELD, MA 01012-9721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM CU
Apr 3, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage MEMBER ADVANTAGE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2025 · Amount on Record
Deed Sale	Feb 24, 2025 · Amount on Record
Prior Sale	Apr 3, 2020 · Amount on Record
Deed Document Number	20252756
Deed Book / Page	15356 / 326
Prior Transfer Date	Mar 30, 2020
Prior Transfer Doc	13584-208
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD MA
Property Address	409 MAIN RD, CHESTERFIELD, MA 01012-9721
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015594-102
Date	Dec 1, 2025
Book Page	15594/102
Instrument	20011

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2045

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESTERFIELD MA
Recording Date	Apr 3, 2020
Property Address	409 MAIN RD, CHESTERFIELD, MA 01012-9721
Document Number	13584-208
Book / Page	13584 / 208
Instrument Date	Mar 30, 2020
Instrument	6027
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	204 LOUDVILLE RD, EASTHAMPTON, MA 01027-9765

Mortgage

Document Number	6028
Date	Apr 3, 2020
Instrument	6028

Lender

Name	MEMBER ADVANTAGE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampshire County and Chesterfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
County Subdivision	Chesterfield Town
Elementary School District	Chesterfield-Goshen School District (PK - 06)
Secondary School District	Hampshire School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,091.00 (+0.14%)	$661,300 (+1.85%) Land $34,900 Building $626,400	$643,476 (+1.25%)
2025	$10,077.00 (+7.3%)	$649,300 (+3.51%) Land $34,900 Building $614,400
2024	$9,391.00 (+9.44%)	$627,300 (+16.38%) Land $33,200 Building $594,100	$635,550
2023	$8,581.00	$539,000 Land $31,900 Building $507,100

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
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Whip City Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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