43 Bank St, Ware, MA 01082 Property Records

Hampshire County and Ware Town property record for 43 Bank St, Ware, MA 01082

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 1890
Lot Size	0.122 acres (5,323 sqft)
Owner	2 Individual Names on File
Last Sale	$132,000 (Jun 2016)
Tax Bill	$3,521 (2026)
Deeds & Mortgages	Jun 2022 Refinance Jun 2024 Mortgage
APN	`WARE M:00061 B:00000 L:00276`

Property Details

APN / Parcel Number

Primary APN	`WARE M:00061 B:00000 L:00276`
Alternative APN	`206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,812 sqft Living Area
Gross Area	3,372 sqft
Basement Area	764 sqft
Unfinished Basement	764 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,323 sqft (0.122 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	206
Street Address	43 BANK ST
City	WARE
State	MA
Zip	01082-1158
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	DTR
Legal Lot Number	276
Jurisdiction	WARE MA
Township / Civil Division	WARE
Census Block Group	3
Census Block	3029
Census Tract	820102

Owner

43 Bank St is owned and occupied by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	43 BANK ST, WARE, MA 01082-1158
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK
Jun 27, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) SPRING EQ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2016 · Amount on File
Deed Sale	Jun 10, 2016 · Amount on File
Prior Sale	Jun 30, 2014 · Amount on File
Deed Book / Page	12300 / 293
Transfer Doc	012300-293
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE MA
Property Address	43 BANK ST, WARE, MA 01082-1158
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014595-82
Date	Jun 23, 2022
Book Page	14595/82
Instrument	13245

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE MA
Property Address	43 BANK ST, WARE, MA 01082-1158
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0015168-31
Date	Jun 27, 2024
Book Page	15168/31
Instrument	9438

Lender

Name	SPRING EQ LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 43 Bank St was $3,521, up 2.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
County Subdivision	Ware Town
Unified School District	Ware School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,521.00 (+2.09%)	$243,000 (+6.11%) Land $26,900 Building $216,100	$264,357 (+0.82%)
2025	$3,449.00	$229,000 Land $27,000 Building $202,000	$262,200 (+8.24%)
2024			$242,250
2023	$3,260.00	$188,900 Land $24,000 Building $164,900

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 43 Bank St; 1 flood insurance policy is in force nearby.

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

Wildfire risk around 43 Bank St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach

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	WARE WATER DEPT serves 10,066 people · EPA ID MA1309000
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	5 ppb (2021–2023) 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Bank St

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