90 Cottage St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 90 Cottage St, Amherst, MA 01002

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 2,120 sqft · built 1890
Lot Size	0.215 acres (9,360 sqft)
Owner	2 Individual Names on File
Last Sale	$312,500 (Aug 2019)
Tax Bill	$8,602 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
APN	`AMHE M:0011D B:0000 L:0028`

Property Details

APN / Parcel Number

Primary APN	`AMHE M:0011D B:0000 L:0028`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,120 sqft Living Area
Gross Area	4,574 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,360 sqft (0.215 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	90 COTTAGE ST
City	AMHERST
State	MA
Zip	01002-2125
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Lot Number	28
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2005
Census Tract	820500

Owner

90 Cottage St, a duplex, is owned by two individuals who bought it in August 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4 HAWKS MDW, HADLEY, MA 01035-9814
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Prior Sale	Aug 4, 1998 · Amount on File
Deed Document Number	201914004
Deed Book / Page	13343 / 102
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	13343-102
Record Updated	Oct 29, 2026

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Aug 1, 2019
Property Address	90 COTTAGE ST, AMHERST, MA 01002-2125
Document Number	13343-102
Book / Page	013343 / 000102
Instrument Date	Jul 30, 2019
Instrument	14004
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,425.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 HAWKS MEADOW DR HADLEY MA 01035, HADLEY, MA 01035

Mortgage

Document Number	13343-105
Date	Aug 1, 2019
Book Page	013343/000105
Instrument	14005

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 90 Cottage St was $8,602, up 10,263.9% 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	$8,602.00 (+10,263.86%)	$508,700 (+8.79%) Land $218,800 Building $289,900	$570,533
2025	$83.00 (-98.97%)	$467,600 (+7.69%) Land $200,700 Building $266,900
2024	$8,037.00 (+4.11%)	$434,200 (+13.04%) Land $189,400 Building $244,800
2023	$7,720.00	$384,100 Land $172,100 Building $212,000

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 90 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 90 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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