46 E Orchard Ter, Adams, MA 01220 Property Records

Berkshire County and Adams Town property record for 46 E Orchard Ter, Adams, MA 01220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,624 sqft · built 2014
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Last Sale	$525,000 (Dec 2025)
Tax Bill	$6,911 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
APN	`42230000000070`

Property Details

APN / Parcel Number

Primary APN	`42230000000070`
Alternative APNs	`ADAM M:2230 B:0000 L:00070` `M:000223 P:000007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,624 sqft Living Area
1st Floor Area	1,624 sqft
Basement Area	1,624 sqft
Unfinished Basement	1,624 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	42230000000070
Street Address	46 E ORCHARD TER
City	ADAMS
State	MA
Zip	01220-2306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	70
Jurisdiction	ADAMS MA
Township / Civil Division	ADAMS
Census Block Group	2
Census Block	2004
Census Tract	922300

Owner

46 E Orchard Ter is owned and occupied by two individuals who bought it in December 2025.

Source: Berkshire County and Adams Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 E ORCHARD TER, ADAMS, MA 01220-2306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 30, 2025	Quit Claim Deed, Transfer · Conventional Mortgage GREYLOCK FCU
Aug 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BROKER SOLUTIONS INC
Apr 30, 2018	Quit Claim Deed, Transfer · ARM ADAMS COMMUNITY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Aug 3, 2021 · Amount on File
Deed Document Number	20257280
Deed Book / Page	1907 / 698
Record Updated	Oct 29, 2026

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Dec 30, 2025
Property Address	46 E ORCHARD TER, ADAMS, MA 01220-2306
Document Number	001907-698
Book / Page	1907 / 698
Instrument Date	Dec 30, 2025
Instrument	7280
Transaction Type	Transfer
Record Updated	Apr 14, 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	Joint Tenants
Address	46 E ORCHARD TER, ADAMS, MA 01220-2306

Mortgage

Document Number	0000007281
Date	Dec 30, 2025
Instrument	7281

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Aug 3, 2021
Property Address	46 E ORCHARD TER, ADAMS, MA 01220-2306
Document Number	1760-73
Book / Page	1760 / 73
Instrument Date	Aug 3, 2021
Instrument	5050
Transaction Type	Transfer
Record Updated	Aug 20, 2021

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	46 E ORCHARD TER, ADAMS, MA 01220-2306

Mortgage

Document Number	5051
Date	Aug 3, 2021
Instrument	5051

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Apr 30, 2018
Property Address	46 E ORCHARD TER, ADAMS, MA 01220-2306
Document Number	01652-1013
Book / Page	1652 / 1013
Instrument	2305
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Tax	$54.95
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 E ORCHARD TER, ADAMS, MA 01220-2306

Mortgage

Document Number	01652-1017
Date	Apr 30, 2018
Book Page	1652/1017
Instrument	2306

Lender

Name	ADAMS COMMUNITY BK

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 46 E Orchard Ter was $6,911, up 6.4% from the year before.

Source: Berkshire County and Adams Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Berkshire County
County Subdivision	Adams Town
Unified School District	Hoosac Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,911.00 (+6.44%)	$406,300 (+9.75%) Land $56,900 Building $349,400	$503,572
2024	$6,493.00 (+8.07%)	$370,200 (+14.29%) Land $53,500 Building $316,700
2023	$6,008.00	$323,900 Land $48,700 Building $275,200

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 46 E Orchard Ter; there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 46 E Orchard Ter 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	ADAMS FIRE DISTRICT serves 7,945 people · EPA ID MA1004000
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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