42 Cottage St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 42 Cottage St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,284 sqft · built 1890
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 1999)
Tax Bill	$10,114 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Oct 2017 Line of Credit + 1 more
APN	`11D000036`

Property Details

APN / Parcel Number

Primary APN	`11D000036`
Alternative APN	`AMHE M:0011D B:0000 L:0036`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,284 sqft Living Area
Gross Area	4,200 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	12,600 sqft (0.289 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	11D000036
Street Address	42 COTTAGE ST
City	AMHERST
State	MA
Zip	01002-2125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	36
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2005
Census Tract	820500

Owner

42 Cottage St is owned and occupied by two individuals who bought it in August 1999.

Source: Hampshire County and Amherst Town City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42 COTTAGE ST, AMHERST, MA 01002-2125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

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
Dec 12, 2017	Deed of Trust, Mortgage UMASS/FIVE COLL FCU
Oct 16, 2017	Deed of Trust, Mortgage · Line of Credit UMASSFIVE COLLEGE FCU
Mar 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage UMASSFIVE COLLEGE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 1999 · Amount on File
Deed Sale	Aug 11, 1999 · Amount on File
Prior Sale	Jul 28, 1995 · Amount on File
Deed Book / Page	5762 / 290
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	42 COTTAGE ST, AMHERST, MA 01002-2125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12830-32
Date	Dec 12, 2017
Book Page	12830/32
Instrument	26023

Lender

Name	UMASS/FIVE COLL FCU
Type	Credit Union

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	42 COTTAGE ST, AMHERST, MA 01002-2125
Document Number	12800-203
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12800-203
Date	Nov 7, 2017
Book Page	012800/000203
Instrument	23509

Lender

Name	UMASSFIVE COLLEGE FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 6, 2042

Interest

Rate Type	Adjustable Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	42 COTTAGE ST, AMHERST, MA 01002-2125
Document Number	12580-195
Instrument Date	Mar 15, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	12580-195
Date	Mar 24, 2017
Book Page	012580/000195
Instrument	5687

Lender

Name	UMASSFIVE COLLEGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 42 Cottage St was $10,114, up 10,220.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
Municipality	Amherst Town City
County	Hampshire County
Elementary School District	Amherst School District (PK - 06)
Secondary School District	Amherst-Pelham School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,114.00 (+10,220.41%)	$598,100 (+8.82%) Land $220,600 Building $377,500	$657,665 (-16.6%)
2025	$98.00 (-98.98%)	$549,600 (+5.81%) Land $202,400 Building $347,200	$788,595
2024	$9,614.00 (+4.77%)	$519,400 (+13.78%) Land $190,900 Building $328,500
2023	$9,176.00	$456,500 Land $173,500 Building $283,000

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 42 Cottage St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 42 Cottage St 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	AMHERST DPW WATER DIVISION serves 39,263 people · EPA ID MA1008000
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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