78 Gray St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 78 Gray St, Amherst, MA 01002

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,536 sqft · built 1885
Lot Size	0.4 acres (17,420 sqft)
Owner	Individual Name on File
Tax Bill	$11,287 (2026)
Deeds & Mortgages	Dec 2022 Sale Dec 2019 Line of Credit
APN	`11D000106`

Property Details

APN / Parcel Number

Primary APN	`11D000106`
Alternative APN	`AMHE M:0011D B:0000 L:0106`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,536 sqft Living Area
Gross Area	4,048 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	17,420 sqft (0.4 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11D000106
Street Address	78 GRAY ST
City	AMHERST
State	MA
Zip	01002-2106
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	106
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2012
Census Tract	820500

Owner

78 Gray St, a duplex, is owned and occupied by an individual who acquired it in December 2022.

Source: Hampshire County and Amherst Town City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	78 GRAY ST, AMHERST, MA 01002-2106
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
Dec 5, 2022	Personal Representative Deed, Transfer
Dec 24, 2019	Deed of Trust, Mortgage · Line of Credit FLORENCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 2, 2022
Transfer Doc	014750-134
Record Updated	Oct 29, 2026

December 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	AMHERST MA
Recording Date	Dec 5, 2022
Property Address	78 GRAY ST, AMHERST, MA 01002-2106
Document Number	014750-134
Book / Page	14750 / 134
Instrument Date	Dec 2, 2022
Instrument	24807
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRAY ST, AMHERST, MA 01002-2106

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	78 GRAY ST, AMHERST, MA 01002-2106
Document Number	13501-85
Instrument Date	Dec 24, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 GRAY ST AMHERST MA 010022106, AMHERST, MA 01002-2106

Mortgage

Document Number	13501-85
Date	Dec 30, 2019
Book Page	013501/000085
Instrument	26117

Lender

Name	FLORENCE BK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 78 Gray St was $11,287, up 9,002.4% from the year before.

Source: Hampshire County and Amherst Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
Municipality	Amherst Town City
County	Hampshire County
Elementary School District	Amherst School District (PK - 06)
Secondary School District	Amherst-Pelham School District (07 - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,287.00 (+9,002.42%)	$667,500 (-3.86%) Land $221,300 Building $446,200	$673,251
2025	$124.00 (-98.94%)	$694,300 (+9.44%) Land $203,100 Building $491,200
2024	$11,743.00 (+5.11%)	$634,400 (+14.14%) Land $191,600 Building $442,800
2023	$11,172.00	$555,800 Land $174,200 Building $381,600

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 78 Gray St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 78 Gray St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	AMHERST DPW WATER DIVISION serves 39,263 people · EPA ID MA1008000
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	8 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Sep 2024
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 241 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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