496 E Harbor Rd, Cheshire, MA 01225 Property Records

Berkshire County and Cheshire Town property record for 496 E Harbor Rd, Cheshire, MA 01225

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,540 sqft · built 1959
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2023)
Tax Bill	$2,965 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
APN	`CHES M:0227 L:0016`

Property Details

APN / Parcel Number

Primary APN	`CHES M:0227 L:0016`
Alternative APNs	`CHSR M:0227 L:0016` `9533`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,540 sqft Living Area
Gross Area	3,356 sqft
Basement Area	1,072 sqft
Unfinished Basement	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9533
Street Address	496 E HARBOR RD
City	CHESHIRE
State	MA
Zip	01225-9122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Lot Number	16
Jurisdiction	CHESHIRE MA
Township / Civil Division	CHESHIRE
Census Block Group	3
Census Block	3007
Census Tract	923100

Owner

Source: Berkshire County and Cheshire 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	2 Individual Names on Record
Mailing Address	496 E HARBOR RD, CHESHIRE, MA 01225-9122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Deed Document Number	20236240
Deed Book / Page	1841 / 313
Record Updated	Oct 29, 2026

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESHIRE MA
Recording Date	Nov 13, 2023
Property Address	496 E HARBOR RD, CHESHIRE, MA 01225-9122
Document Number	001841-313
Book / Page	1841 / 313
Instrument Date	Nov 13, 2023
Instrument	6240
Transaction Type	Transfer
Record Updated	Dec 8, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	496 E HARBOR RD, CHESHIRE, MA 01225-9122

Mortgage

Document Number	0000006241
Date	Nov 13, 2023
Instrument	6241

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,965.00 (+1.13%)	$280,200 (+6.38%) Land $60,900 Building $219,300	$316,056
2025	$2,932.00 (-0.88%)	$263,400 (+3.01%) Land $58,000 Building $205,400
2024	$2,958.00 (+3.61%)	$255,700 (+7.21%) Land $55,400 Building $200,300
2023	$2,855.00	$238,500 Land $58,900 Building $179,600

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
Nearby Flood Claims	1 (2000)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2000 · 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

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20