Berkshire County and Williamstown Town property record for 445 Water St, Williamstown, MA 01267
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1947 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,238 (2026) |
| Deeds & Mortgages | May 2022 Refinance Jun 2019 Refinance |
| APN | M_60704_940124 |
| Primary APN | M_60704_940124 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,528 sqft |
| 1st Floor Area | 768 sqft |
| Basement Area | 768 sqft |
| Unfinished Basement | 768 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | M_60704_940124 |
|---|---|
| Street Address | 445 WATER ST |
| City | WILLIAMSTOWN |
| State | MA |
| Zip | 01267-2895 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | GR |
| Legal Block | 50 |
| Jurisdiction | WILLIAMSTOWN MA |
| Township / Civil Division | WILLIAMSTOWN |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 920102 |
445 Water St is owned and occupied by two individuals.
Source: Berkshire County and Williamstown Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 WATER ST, WILLIAMSTOWN, MA 01267-2895 |
| 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.
| Date | Document |
|---|---|
| May 23, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ADAMS BANK & TRUST |
| Jun 25, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance ADAMS BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILLIAMSTOWN MA |
| Property Address | 445 WATER ST, WILLIAMSTOWN, MA 01267-2895 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001791-976 |
|---|---|
| Date | May 23, 2022 |
| Book Page | 1791/976 |
| Instrument | 3270 |
| Name | ADAMS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jun 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WILLIAMSTOWN MA |
| Property Address | 445 WATER ST, WILLIAMSTOWN, MA 01267-2895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1685-884 |
|---|---|
| Date | Jun 25, 2019 |
| Book Page | 1685/884 |
| Instrument | 3238 |
| Name | ADAMS BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
The 2026 property tax bill for 445 Water St was $3,238, up 6% from the year before.
Source: Berkshire County and Williamstown Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Berkshire County |
| County Subdivision | Williamstown Town |
| Unified School District | Mount Greylock School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,238.00 (+5.99%) | $228,000 (+2.98%) Land $81,100 Building $146,900 | $286,142 |
| 2025 | $3,055.00 | $221,400 Land $78,800 Building $142,600 | |
| 2023 | $2,980.00 | $184,300 Land $68,100 Building $116,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 445 Water St; there have been 3 flood claims nearby since 2005.
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 | 5 in force |
| Nearby Flood Claims | 3 (2005) |
| Most Recent Claim | Oct 2005 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 445 Water 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WILLIAMSTOWN WATER DEPT serves 7,326 people · EPA ID MA1341000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2019–2021) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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