Franklin County and Bernardston Town property record for 74 River St, Bernardston, MA 01337
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,616 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,976 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Aug 2025 Mortgage + 3 more |
| APN | 290090000700021 |
| Primary APN | 290090000700021 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,616 sqft Living Area |
| Gross Area | 3,246 sqft |
| 1st Floor Area | 1,520 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 290090000700021 |
|---|---|
| Street Address | 74 RIVER ST |
| City | BERNARDSTON |
| State | MA |
| Zip | 01337-9667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CV |
| Legal Block | 7 |
| Legal Lot Number | 21 |
| Jurisdiction | BERNARDSTON MA |
| Township / Civil Division | BERNARDSTON |
| Census Block Group | 1 |
| Census Block | 1071 |
| Census Tract | 40200 |
Source: Franklin County and Bernardston 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 | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GREENFIELD SAVINGS BANK |
| Aug 11, 2025 | Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC |
| Nov 12, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Sep 5, 2018 | Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Transaction Type | Mortgage |
| Record Updated | Mar 13, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008591-250 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | 8591/250 |
| Instrument | 399 |
| Name | GREENFIELD SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Feb 1, 2031 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0008518-20 |
|---|---|
| Date | Aug 11, 2025 |
| Book Page | 8518/20 |
| Instrument | 7038 |
| Name | RELIANCE FIRST CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7892-109 |
|---|---|
| Date | Nov 12, 2021 |
| Book Page | 7892/109 |
| Instrument | 14745 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Dec 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Document Number | 7407-267 |
| Instrument Date | Aug 6, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 74 RIVER ST BERNARDSTON MA 013379667, BERNARDSTON, MA 01337-9667 |
| Document Number | 7407-267 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 007407/000267 |
| Instrument | 8474 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 74 RIVER ST, BERNARDSTON, MA 01337-9667 |
| Document Number | 7252-147 |
| Instrument Date | Sep 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 74 RIVER ST BERNARDSTON MA 013379667, BERNARDSTON, MA 01337-9667 |
| Document Number | 7252-147 |
|---|---|
| Date | Sep 11, 2018 |
| Book Page | 007252/000147 |
| Instrument | 9341 |
| Name | RELIANCE FIRST CAP |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2048 |
Source: Franklin County and Bernardston Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Franklin County |
| County Subdivision | Bernardston Town |
| Unified School District | Pioneer Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,976.00 (-15.62%) | $418,800 (-5.44%) Land $52,700 Building $366,100 | $418,181 (+2.16%) |
| 2024 | $409,355 | ||
| 2023 | $7,082.00 | $442,900 Land $50,700 Building $392,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 6 in force |
| Nearby Flood Claims | 2 (2011–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Dec 2024 · other causes |
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: 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNARDSTON FIRE WATER DIST serves 1,471 people · EPA ID MA1029000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Jun 2016 |
| 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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