81 Cottage St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 81 Cottage St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,333 sqft · built 1951
Lot Size	0.375 acres (16,335 sqft)
Owner	2 Individual Names on File
Last Sale	$417,000 (Jul 2026)
Tax Bill	$7,473 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2023 Transfer + 1 more
APN	`11D000053`

Property Details

APN / Parcel Number

Primary APN	`11D000053`
Alternative APN	`AMHE M:0011D B:0000 L:0053`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,333 sqft Living Area
Gross Area	3,201 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,335 sqft (0.375 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	11D000053
Street Address	81 COTTAGE ST
City	AMHERST
State	MA
Zip	01002-2123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	53
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2009
Census Tract	820500

Owner

81 Cottage St is owned by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	10 PAIGE ST, AMHERST, MA 01002-2040
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 15, 2026	Quit Claim Deed, Transfer · Conventional Mortgage BANKERS
Jul 17, 2023	Quit Claim Deed, Transfer Quitclaim
Sep 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage THOMAS L PAIGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	Sep 1, 2021 · Amount on File
Deed Document Number	202611227
Deed Book / Page	15776 / 321
Prior Transfer Date	Jul 13, 2023
Prior Transfer Doc	014909-311
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Jul 15, 2026
Property Address	81 COTTAGE ST, AMHERST, MA 01002-2123
Document Number	0000011227
Book / Page	15776 / 321
Instrument Date	Jul 1, 2026
Instrument	202611227
Transaction Type	Transfer
Record Updated	Aug 5, 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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Date	Jul 15, 2026

Lender

Name	BANKERS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.48%
Max Rate	-1%

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Jul 17, 2023
Property Address	81 COTTAGE ST, AMHERST, MA 01002-2123
Document Number	014909-311
Book / Page	14909 / 311
Instrument Date	Jul 13, 2023
Instrument	10591
Transaction Type	Transfer
Record Updated	Aug 4, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 COTTAGE ST, AMHERST, MA 01002-2123

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Sep 1, 2021
Property Address	81 COTTAGE ST, AMHERST, MA 01002-2123
Document Number	14250-16
Book / Page	14250 / 16
Instrument Date	Sep 1, 2021
Instrument	21879
Transaction Type	Transfer
Record Updated	Sep 17, 2021

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	189 MILL LN, AMHERST, MA 01002-2931

Mortgage

Document Number	21880
Date	Sep 1, 2021
Instrument	21880

Lender

Name	THOMAS L PAIGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 81 Cottage St was $7,473, up 10,279.2% 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	$7,473.00 (+10,279.17%)	$441,900 (+8.84%) Land $221,100 Building $220,800	$489,152 (-1.81%)
2025	$72.00 (-99%)	$406,000 (+4.75%) Land $202,900 Building $203,100	$498,180
2024	$7,174.00 (+4.15%)	$387,600 (+13.1%) Land $191,400 Building $196,200
2023	$6,888.00	$342,700 Land $174,000 Building $168,700

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 81 Cottage 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 81 Cottage 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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