46 Church St, Ware, MA 01082 Property Records

Hampshire County and Ware Town property record for 46 Church St, Ware, MA 01082

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,988 sqft · built 1890
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Dec 2011)
Tax Bill	$3,401 (2026)
Deeds & Mortgages	May 2023 Refinance Jan 2020 Mortgage
APN	`WARE M:00061 B:00000 L:00226`

Property Details

APN / Parcel Number

Primary APN	`WARE M:00061 B:00000 L:00226`
Alternative APN	`636`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,988 sqft Living Area
Gross Area	5,322 sqft
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,001 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	636
Street Address	46 CHURCH ST
City	WARE
State	MA
Zip	01082-1234
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	DTR
Legal Lot Number	226
Jurisdiction	WARE MA
Township / Civil Division	WARE
Census Block Group	3
Census Block	3021
Census Tract	820102

Historic Designation

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

Historic District	Within the Church Street Historic District listed 1986 · 70 contributing resources · NRIS 86001246

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

Owner

Source: Hampshire County and Ware Town records, as of October 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	48 CHURCH ST, WARE, MA 01082-1234
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK
Jan 31, 2020	Deed of Trust, Mortgage · ARM COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2011 · Amount on Record
Deed Sale	Dec 1, 2011 · Amount on Record
Prior Sale	Feb 28, 2011
Deed Document Number	20112
Deed Book / Page	10735 / 244
Transfer Doc	10167-128
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE MA
Property Address	46 CHURCH ST, WARE, MA 01082-1234
Transaction Type	Mortgage
Record Updated	Jun 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014870-215
Date	May 30, 2023
Book Page	14870/215
Instrument	7688

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARE MA
Property Address	46 CHURCH ST, WARE, MA 01082-1234
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13528-59
Date	Jan 31, 2020
Book Page	13528/59
Instrument	1832

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Adjustable Rate
Type Change Date	Feb 1, 2027

Tax Assessment & Valuation

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	$3,401.00 (+9.96%)	$234,700 (+14.26%) Land $41,800 Building $192,900	$291,311
2025	$3,093.00 (+8.49%)	$205,400 (+24.33%) Land $41,800 Building $163,600
2023	$2,851.00	$165,200 Land $33,900 Building $131,300

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
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

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

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