87 Lake St, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 87 Lake St, Florence, MA 01062

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1955
Lot Size	0.315 acres (13,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Apr 1997)
Tax Bill	$7,095 (2025)
Deeds & Mortgages	Aug 2021 Refinance Jul 2018 Mortgage
APN	`NHAM M:017A B:0234 L:0001`

Property Details

APN / Parcel Number

Primary APN	`NHAM M:017A B:0234 L:0001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,734 sqft (0.315 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	87 LAKE ST
City	FLORENCE
State	MA
Zip	01062-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URB
Legal Subdivision	FLORENCE
Legal Block	234
Legal Lot Number	1
Jurisdiction	NORTHAMPTON MA
Township / Civil Division	NORTHAMPTON
Census Block Group	2
Census Block	2003
Census Tract	821700

Owner

Source: Hampshire County and Northampton City records, as of July 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	87 LAKE ST, FLORENCE, MA 01062-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU
Jul 13, 2018	Deed of Trust, Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 1997 · Amount on Record
Deed Sale	Apr 2, 1997 · Amount on Record
Prior Sale	Oct 14, 1993 · Amount on Record
Deed Book / Page	5088 / 92
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	87 LAKE ST, NORTHAMPTON, MA 01062-1318
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	14225-134
Date	Aug 13, 2021
Book Page	14225/134
Instrument	20166

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NORTHAMPTON MA
Property Address	87 LAKE ST, NORTHAMPTON, MA 01062-1318
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13016-73
Date	Jul 13, 2018
Book Page	13016/73
Instrument	13715

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
Municipality	Northampton City
Unified School District	Northampton School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,095.00 (+17.35%)	$509,300 (+33.43%) Land $171,500 Building $337,800	$492,765 (+21.99%)
2024			$403,940
2023	$6,046.00	$381,700 Land $136,100 Building $245,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

FEMA Flood Zone	Not on file
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 in force

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

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	NORTHAMPTON WATER DIVISION serves 29,571 people · EPA ID MA1214000
Water Source	Surface water
Last State Inspection	May 2024
Lead	3 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 354 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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