490 Middle St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 490 Middle St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,854 sqft · built 2019
Lot Size	0.801 acres (34,899 sqft)
Owner	2 Trust Names on File
Last Sale	$520,000 (Oct 2020)
Tax Bill	$13,447 (2026)
Deeds & Mortgages	Feb 2026 Sale Mar 2023 Refinance + 4 more
APN	`26B000004`

Property Details

APN / Parcel Number

Primary APN	`26B000004`
Alternative APN	`AMHE M:0026B B:0000 L:0004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,854 sqft Living Area
Gross Area	5,820 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Roof Type	Mansard
Roof Material	Asphalt
Lot Area	34,899 sqft (0.801 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	26B000004
Street Address	490 MIDDLE ST
City	AMHERST
State	MA
Zip	01002-3057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	4
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2005
Census Tract	820801

Owner

490 Middle St is owner-occupied and held in a trust since October 2020.

Source: Hampshire County and Amherst Town City records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Feb 2, 2026	Warranty Deed, Transfer
Mar 14, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BERKSHIRE BANK
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 21, 2021	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Oct 30, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage TD BANK NA
Nov 22, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Nov 22, 2019 · Amount on File
Deed Book / Page	13837 / 347
Prior Transfer Date	Oct 23, 2020
Prior Transfer Doc	13837-347
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST MA
Recording Date	Feb 2, 2026
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Document Number	015642-315
Book / Page	15642 / 315
Instrument Date	Jan 7, 2026
Instrument	1578
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 MIDDLE ST, AMHERST, MA 01002-3057

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Transaction Type	Mortgage
Record Updated	Mar 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014819-70
Date	Mar 14, 2023
Book Page	14819/70
Instrument	3732

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014581-89
Date	Jun 13, 2022
Book Page	14581/89
Instrument	12277

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014149-41
Date	Jun 21, 2021
Book Page	14149/41
Instrument	15004

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Oct 30, 2020
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Document Number	13837-347
Book / Page	13837 / 347
Instrument Date	Oct 23, 2020
Instrument	22862
Transaction Type	Transfer
Record Updated	Jun 8, 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	140 W POMEROY LN, AMHERST, MA 01002-3241

Mortgage

Document Number	22863
Date	Oct 30, 2020
Instrument	22863

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Nov 22, 2019
Property Address	490 MIDDLE ST, AMHERST, MA 01002-3057
Document Number	13467-114
Book / Page	13467 / 114
Instrument Date	Nov 22, 2019
Instrument	23446
Transaction Type	Transfer
Record Updated	Jun 8, 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
Address	7 OPEN SQUARE WAY # 2ND, HOLYOKE, MA 01040-5835

Mortgage

Document Number	23447
Date	Nov 22, 2019
Instrument	23447

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 490 Middle St was $13,447, up 10,164.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
Municipality	Amherst Town City
County	Hampshire County
Elementary School District	Amherst School District (PK - 06)
Secondary School District	Amherst-Pelham School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,447.00 (+10,164.89%)	$795,200 (+8.87%) Land $237,600 Building $557,600	$740,532 (+1.33%)
2025	$131.00 (-98.92%)	$730,400 (+11.09%) Land $218,200 Building $512,200	$730,835
2024	$12,170.00 (+3.54%)	$657,500 (+12.43%) Land $206,000 Building $451,500
2023	$11,754.00	$584,800 Land $187,200 Building $397,600

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 490 Middle 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 490 Middle 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	AMHERST DPW WATER DIVISION serves 39,263 people · EPA ID MA1008000
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 24 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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