7 E Orchard Ter, Adams, MA 01220 Property Records

Berkshire County and Adams Town property record for 7 E Orchard Ter, Adams, MA 01220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1960
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jun 2023)
Tax Bill	$3,407 (2025)
Deeds & Mortgages	May 2025 Refinance May 2025 Line of Credit + 1 more
APN	`41180000000290`

Property Details

APN / Parcel Number

Primary APN	`41180000000290`
Alternative APNs	`ADAM M:1180 B:0000 L:00290` `M:000118 P:000029`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	41180000000290
Street Address	7 E ORCHARD TER
City	ADAMS
State	MA
Zip	01220-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Lot Number	290
Jurisdiction	ADAMS MA
Township / Civil Division	ADAMS
Census Block Group	2
Census Block	2004
Census Tract	922300

Owner

7 E Orchard Ter is owned and occupied by two individuals who bought it in June 2023.

Source: Berkshire County and Adams Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7 E ORCHARD TER, ADAMS, MA 01220-2305
Occupancy	Owner Occupied
Owner Type	Individual

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
May 13, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance GREYLOCK FCU
May 13, 2025	Deed of Trust, Mortgage · Line of Credit GREYLOCK FCU
Jun 2, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GREYLOCK FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2023 · Amount on File
Deed Sale	Jun 2, 2023 · Amount on File
Deed Document Number	20232656
Deed Book / Page	1825 / 368
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MA
Property Address	7 E ORCHARD TER, ADAMS, MA 01220-2305
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001886-200
Date	May 13, 2025
Book Page	1886/200
Instrument	2421

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS MA
Property Address	7 E ORCHARD TER, ADAMS, MA 01220-2305
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001886-200
Date	May 13, 2025
Book Page	1886/200
Instrument	202500202421

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2050

June 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ADAMS MA
Recording Date	Jun 2, 2023
Property Address	7 E ORCHARD TER, ADAMS, MA 01220-2305
Document Number	001825-368
Book / Page	1825 / 368
Instrument Date	Jun 2, 2023
Instrument	2656
Transaction Type	Transfer
Record Updated	Jun 16, 2023

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	7 E ORCHARD TER, ADAMS, MA 01220-2305

Mortgage

Document Number	0000002657
Date	Jun 2, 2023
Instrument	2657

Lender

Name	GREYLOCK FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2038
Max Rate At Change	3%
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

The 2025 property tax bill for 7 E Orchard Ter was $3,407, up 6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,407.00 (+6.04%)	$200,300 (+9.33%) Land $45,900 Building $154,400	$252,245
2024	$3,213.00 (+7.53%)	$183,200 (+13.72%) Land $43,200 Building $140,000
2023	$2,988.00	$161,100 Land $39,300 Building $121,800

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 7 E Orchard Ter; there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (1978)
Most Recent Claim	Feb 1978 · tidal / storm surge

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 7 E Orchard Ter 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	ADAMS FIRE DISTRICT serves 7,945 people · EPA ID MA1004000
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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