609 Gulf Rd, Northfield, MA 01360 Property Records

Franklin County and Northfield Town property record for 609 Gulf Rd, Northfield, MA 01360

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,380 sqft · built 1992
Lot Size	2.3 acres (100,449 sqft)
Owner	Individual Name on File
Last Sale	$524,900 (Aug 2026)
Tax Bill	$6,088 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2026 Line of Credit + 2 more
APN	`NFLD M:061 B:A3.21 L:1`

Property Details

APN / Parcel Number

Primary APN	`NFLD M:061 B:A3.21 L:1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,380 sqft Living Area
Gross Area	3,862 sqft
Basement Area	1,392 sqft
Unfinished Basement	1,392 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	100,449 sqft (2.3 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	609 GULF RD
City	NORTHFIELD
State	MA
Zip	01360-9692
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAF
Legal Subdivision	SAMUEL J BROWNING
Legal Block	A3.21
Legal Lot Number	1
Jurisdiction	NORTHFIELD MA
Township / Civil Division	NORTHFIELD
Census Block Group	2
Census Block	2006
Census Tract	40300

Owner

609 Gulf Rd is owned and occupied by an individual who bought it in August 2026.

Source: Franklin County and Northfield Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	609 GULF RD, NORTHFIELD, MA 01360-9692
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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
Aug 7, 2026	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN ACCEPTANCE MORTGAGE
May 4, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM CREDIT UNION
Aug 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
Mar 13, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Jul 25, 2005 · Amount on File
Deed Document Number	20267110
Deed Book / Page	8683 / 331
Prior Transfer Date	Aug 4, 2026
Prior Transfer Doc	0000007110
Record Updated	Oct 29, 2026

August 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	NORTHFIELD MA
Recording Date	Aug 7, 2026
Property Address	609 GULF RD, NORTHFIELD, MA 01360-9692
Document Number	0000007110
Book / Page	8683 / 331
Instrument Date	Aug 4, 2026
Instrument	20267110
Transaction Type	Transfer
Record Updated	Aug 26, 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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GULF RD, NORTHFIELD, MA 01360-9692

Mortgage

Document Number	0000007111,
Date	Aug 7, 2026
Book Page	8683/335
Instrument	20267111

Lender

Name	AMERICAN ACCEPTANCE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Recording Date	May 4, 2026
Property Address	609 GULF RD, NORTHFIELD, MA 01360-9692
Document Number	008635-186
Book / Page	8635 / 186
Instrument Date	Apr 29, 2026
Instrument	20263560
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 GULF RD, NORTHFIELD, MA 01360-9692

Mortgage

Document Number	0000003560,
Date	May 4, 2026
Book Page	8635/186
Instrument	20263560

Lender

Name	FREEDOM CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.46%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	609 GULF RD, NORTHFIELD, MA 01360-9692
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7834-320
Date	Aug 23, 2021
Book Page	7834/320
Instrument	10709

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHFIELD MA
Property Address	609 GULF RD, NORTHFIELD, MA 01360-9692
Document Number	7007-266
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7007-266
Date	Mar 24, 2017
Book Page	007007/000266
Instrument	2838

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 609 Gulf Rd was $6,088, up 4.7% from the year before.

Source: Franklin County and Northfield Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Northfield Town
Unified School District	Pioneer Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,088.00 (+4.75%)	$439,900 (+2.78%) Land $56,900 Building $383,000	$514,280 (+34.9%)
2024	$5,812.00 (+11.17%)	$428,000 (+11.17%) Land $53,600 Building $374,400	$381,235
2023	$5,228.00	$385,000 Land $53,100 Building $331,900

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 609 Gulf Rd; there have been 1 flood claim nearby since 2021.

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	4 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2021 · 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

Wildfire risk around 609 Gulf Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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