46 Gilrain Ter, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 46 Gilrain Ter, Florence, MA 01062

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1952
Lot Size	0.797 acres (34,726 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Dec 2020)
Tax Bill	$5,583 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Mortgage + 6 more
APN	`NHAM M:0029 B:0056 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:0029 B:0056 L:0001`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Wood Siding
Lot Area	34,726 sqft (0.797 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	46 GILRAIN TER
City	FLORENCE
State	MA
Zip	01062-3431
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URA
Legal Block	56
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	2
Census Block	2005
Census Tract	822200

Owner

Source: Hampshire County and Northampton City records, as of July 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	46 GILRAIN TER, FLORENCE, MA 01062-3431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 20, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 28, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 30, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Dec 11, 2020	Quit Claim Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES
Jul 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Mar 9, 2020	Personal Representative Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Jul 17, 2020 · Amount on Record
Deed Document Number	202026696
Deed Book / Page	13893 / 224
Prior Transfer Date	Dec 9, 2020
Prior Transfer Doc	13893-224
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015517-252
Date	Sep 2, 2025
Book Page	15517/252
Instrument	14408

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2065

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Transaction Type	Mortgage
Record Updated	Mar 8, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	015071-305
Date	Feb 20, 2024
Book Page	15071/305
Instrument	2296

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Mar 1, 2051

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Transaction Type	Mortgage
Record Updated	Sep 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	014944-125
Date	Aug 28, 2023
Book Page	14944/125
Instrument	13134

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Transaction Type	Mortgage
Record Updated	Apr 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00014829-4
Date	Mar 30, 2023
Book Page	14829/4
Instrument	4478

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014814-68
Date	Mar 6, 2023
Book Page	14814/68
Instrument	3236

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Apr 1, 2051

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Dec 11, 2020
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Document Number	13893-224
Book / Page	13893 / 224
Instrument Date	Dec 9, 2020
Instrument	26696
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
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
Address	303 RIVERSIDE DR, FLORENCE, MA 01062

Mortgage

Document Number	26697
Date	Dec 11, 2020
Instrument	26697

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Jul 17, 2020
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Document Number	13700-122
Book / Page	013700 / 000122
Instrument Date	Jul 8, 2020
Instrument	13753
Transaction Type	Transfer
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$502.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LAKE ST FLORENCE MA 010621319, FLORENCE, MA 01062-1319

March 2020: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	NORTHAMPTON MA
Recording Date	Mar 9, 2020
Property Address	46 GILRAIN TER, NORTHAMPTON, MA 01062-3431
Document Number	13558-227
Book / Page	013558 / 000227
Instrument Date	Jan 11, 2020
Instrument	4260
Transaction Type	Transfer
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	87 FRENCH HOLLOW RD BONDVILLE VT 053409724, BONDVILLE, VT 05340-9724

Tax Assessment & Valuation

Source: Hampshire County and Northampton City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
Municipality	Northampton City
Unified School District	Northampton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,583.00 (+13.18%)	$400,800 (+28.71%) Land $130,900 Building $269,900	$414,485 (+3.63%)
2024			$399,950
2023	$4,933.00	$311,400 Land $118,700 Building $192,700

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 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 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	NORTHAMPTON WATER DIVISION serves 29,571 people · EPA ID MA1214000
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) 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 173 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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