443 Florence Rd, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 443 Florence Rd, Florence, MA 01062

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,314 sqft · built 1955
Lot Size	1.95 acres (85,029 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Nov 2008)
Tax Bill	$7,382 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Sep 2017 Mortgage + 1 more
APN	`NHAM M:030C B:0009 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:030C B:0009 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,314 sqft Living Area
Gross Area	2,262 sqft
1st Floor Area	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2010
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	85,029 sqft (1.95 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	443 FLORENCE RD
City	FLORENCE
State	MA
Zip	01062-2668
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Subdivision	JOSEPH F GUTOWSKI
Legal Block	9
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	2
Census Block	2005
Census Tract	822200

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	443 FLORENCE RD, FLORENCE, MA 01062-2668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage GREENFIELD COOPERATIVE BANK
Sep 1, 2017	Deed of Trust, Mortgage GREENFIELD CP BK
Sep 1, 2017	Deed of Trust, Mortgage · Closed-End Mortgage GREENFIELD CP BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2008 · Amount on Record
Deed Sale	Nov 21, 2008 · Amount on Record
Prior Sale	Jun 14, 1999 · Amount on Record
Deed Document Number	200825100
Deed Book / Page	9647 / 203
Transfer Doc	9647-203
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	443 FLORENCE RD, NORTHAMPTON, MA 01062-2668
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015553-309
Date	Oct 14, 2025
Book Page	15553/309
Instrument	17028

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Nov 1, 2035
Index	1-Year CMT
Margin	3

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	443 FLORENCE RD, NORTHAMPTON, MA 01062-2668
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12736-269
Date	Sep 1, 2017
Book Page	12736/269
Instrument	18302

Lender

Name	GREENFIELD CP BK

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	443 FLORENCE RD, NORTHAMPTON, MA 01062-2668
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12736-284
Date	Sep 1, 2017
Book Page	12736/284
Instrument	18303

Lender

Name	GREENFIELD CP BK

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2042

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	$7,382.00 (+32.46%)	$529,900 (+50.63%) Land $110,700 Building $419,200	$488,205 (+17.7%)
2024			$414,770
2023	$5,573.00	$351,800 Land $96,000 Building $255,800

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	2 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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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