45 Howard St, Belchertown, MA 01007 Property Records

Hampshire County and Belchertown Town property record for 45 Howard St, Belchertown, MA 01007

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,827 sqft · built 1983
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$374,900 (Dec 2025)
Tax Bill	$4,703 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
APN	`BELC M:243 L:163`

Property Details

APN / Parcel Number

Primary APN	`BELC M:243 L:163`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,827 sqft Living Area
Gross Area	2,862 sqft
Basement Area	1,044 sqft
Unfinished Basement	261 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	45 HOWARD ST
City	BELCHERTOWN
State	MA
Zip	01007-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR2
Legal Lot Number	163
Jurisdiction	BELCHERTOWN MA
Township / Civil Division	BELCHERTOWN
Census Block Group	1
Census Block	1017
Census Tract	820207

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Belchertown State School listed 1994 · 76 contributing resources · NRIS 94000688

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

45 Howard St is owned and occupied by two individuals who bought it in December 2025.

Source: Hampshire County and Belchertown Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 HOWARD ST, BELCHERTOWN, MA 01007-9417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Sep 23, 2016 · Amount on File
Deed Book / Page	15604 / 179
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BELCHERTOWN MA
Recording Date	Dec 11, 2025
Property Address	45 HOWARD ST, BELCHERTOWN, MA 01007-9417
Document Number	015604-179
Book / Page	15604 / 179
Instrument Date	Dec 11, 2025
Instrument	20728
Transaction Type	Transfer
Record Updated	Dec 31, 2025

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	45 HOWARD ST, BELCHERTOWN, MA 01007-9417

Mortgage

Document Number	0000020729
Date	Dec 11, 2025
Instrument	20729

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 45 Howard St was $4,703, up 2.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,703.00 (+2.84%)	$324,100 (+8.58%) Land $65,200 Building $258,900	$365,750 (+0.57%)
2024	$4,573.00 (+4.22%)	$298,500 (+11.01%) Land $59,100 Building $239,400	$363,660
2023	$4,388.00	$268,900 Land $54,100 Building $214,800

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 45 Howard 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 45 Howard 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.

Drinking Water

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

Water System	BELCHERTOWN WATER DISTRICT serves 3,253 people · EPA ID MA1024000
Water Source	Groundwater
Last State Inspection	May 2026
Lead	3 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20