454 S Mountain Rd, Northfield, MA 01360 Property Records

Franklin County and Northfield Town property record for 454 S Mountain Rd, Northfield, MA 01360

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,136 sqft · built 1985
Lot Size	4.94 acres (215,535 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Dec 2024)
Tax Bill	$6,310 (2025)
Deeds & Mortgages	Dec 2023 Refinance Dec 2024 Sale & Mortgage
APN	`NFLD M:059 B:0A3.1 L:1`

Property Details

APN / Parcel Number

Primary APN	`NFLD M:059 B:0A3.1 L:1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area
Gross Area	3,926 sqft
1st Floor Area	1,140 sqft
Basement Area	1,140 sqft
Unfinished Basement	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Material	Asphalt
Lot Area	215,535 sqft (4.94 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	454 S MOUNTAIN RD
City	NORTHFIELD
State	MA
Zip	01360-9684
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAF
Legal Block	A3.1
Legal Lot Number	1
Jurisdiction	NORTHFIELD MA
Township / Civil Division	NORTHFIELD
Census Block Group	2
Census Block	2033
Census Tract	40300

Owner

454 S Mountain Rd is owned and occupied by an individual who bought it in December 2024.

Source: Franklin County and Northfield Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	454 S MOUNTAIN RD, NORTHFIELD, MA 01360-9684
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

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance GREENFIELD COOPERATIVE BANK
Dec 10, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GREENFIELD COOPERATIVE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2024 · Amount on File
Deed Sale	Dec 10, 2024 · Amount on File
Prior Sale	Aug 9, 1983 · Amount on File
Deed Book / Page	8412 / 164
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	454 S MOUNTAIN RD, NORTHFIELD, MA 01360-9684
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008253-37
Date	Dec 1, 2023
Book Page	8253/37
Instrument	10642

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2049

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHFIELD MA
Recording Date	Dec 10, 2024
Property Address	454 S MOUNTAIN RD, NORTHFIELD, MA 01360-9684
Document Number	008412-164
Book / Page	8412 / 164
Instrument Date	Dec 10, 2024
Instrument	11310
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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	454 S MOUNTAIN RD, NORTHFIELD, MA 01360-9684

Mortgage

Document Number	0000011311
Date	Dec 10, 2024
Instrument	11311

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

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

Tax Assessment & Valuation

The 2025 property tax bill for 454 S Mountain Rd was $6,310, up 4.8% from the year before.

Source: Franklin County and Northfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Northfield Town
Unified School District	Pioneer Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,310.00 (+4.82%)	$455,900 (+2.84%) Land $62,700 Building $393,200	$532,609 (+3.23%)
2024	$6,020.00 (+11.07%)	$443,300 (+11.07%) Land $58,900 Building $384,400	$515,945
2023	$5,420.00	$399,100 Land $58,400 Building $340,700

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 454 S Mountain Rd; there have been 1 flood claim nearby since 2021.

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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2021 · river or lake flooding

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 454 S Mountain Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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