Hampshire County and Northampton City property record for 635 Florence Rd, Florence, MA 01062
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,044 sqft · built 1968 |
| Lot Size | 0.615 acres (26,798 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Jul 2026) |
| Tax Bill | $4,093 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more |
| APN | NHAM M:0037 B:0012 L:0001 |
| Primary APN | NHAM M:0037 B:0012 L:0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,044 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Lot Area | 26,798 sqft (0.615 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Deck Area | Deck Area |
| Heating Fuel | Electric |
|---|
| Street Address | 635 FLORENCE RD |
|---|---|
| City | FLORENCE |
| State | MA |
| Zip | 01062-3672 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 12 |
| Legal Lot Number | 1 |
| Jurisdiction | NORTHAMPTON MA |
| Township / Civil Division | NORTHAMPTON |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 822200 |
Source: Hampshire County and Northampton City records · APN NHAM M:0037 B:0012 L:0001
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 635 FLORENCE RD, FLORENCE, MA 01062-3672 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 01, 2026 | Deed, Transfer · Conventional Mortgage HMA MORTGAGE |
| Aug 04, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU |
| Jul 02, 2018 | Deed of Trust, Mortgage · Line of Credit FLORENCE BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 01, 2026 · Amount on Record |
| Deed Sale | Jul 01, 2026 · Amount on Record |
| Prior Sale | Aug 04, 2022 · Amount on Record |
| Deed Document Number | 202610403 |
| Deed Book / Page | 15765 / 20 |
| Transfer Doc | 8224000194 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | NORTHAMPTON MA |
| Recording Date | Jul 01, 2026 |
| Property Address | 635 FLORENCE RD, FLORENCE, MA 01062-3672 |
| Document Number | 0000010403 |
| Book / Page | 15765 / 20 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202610403 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 635 FLORENCE RD, FLORENCE, MA 01062-3672 |
| Date | Jul 01, 2026 |
|---|
| Name | HMA MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NORTHAMPTON MA |
| Recording Date | Aug 04, 2022 |
| Property Address | 635 FLORENCE RD, NORTHAMPTON, MA 01062-3672 |
| Document Number | 014638-242 |
| Book / Page | 14638 / 242 |
| Instrument Date | Aug 04, 2022 |
| Instrument | 16453 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 629 FLORENCE RD, FLORENCE, MA 01062-3672 |
| Document Number | 0000016454 |
|---|---|
| Date | Aug 04, 2022 |
| Instrument | 16454 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.38% |
| Type Change Date | Sep 01, 2032 |
| Max Rate At Change | 2.88% |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON MA |
| Property Address | 635 FLORENCE RD, NORTHAMPTON, MA 01062-3672 |
| Document Number | 13010-53 |
| Instrument Date | Jul 02, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 635 FLORENCE RD NORTHAMPTON MA 010623672, NORTHAMPTON, MA 01062-3672 |
| Document Number | 13010-53 |
|---|---|
| Date | Jul 09, 2018 |
| Book Page | 013010/000053 |
| Instrument | 13198 |
| Name | FLORENCE BK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Hampshire County and Northampton City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampshire County |
| Municipality | Northampton City |
| Unified School District | Northampton School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,093.00 (+11.8%) | $293,800 (+27.13%) Land $94,400 Building $199,400 | $391,495 (+14.16%) |
| 2024 | $342,950 | ||
| 2023 | $3,661.00 | $231,100 Land $81,800 Building $149,300 |
Source: FEMA National Flood Hazard Layer · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250158222003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 2 (2022) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Feb 2022 · tidal / storm surge |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 73 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MA1214000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHAMPTON WATER DIVISION serves 29,571 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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