91 Cottage St, Amherst, MA 01002 Property Records

Hampshire County and Amherst Town City property record for 91 Cottage St, Amherst, MA 01002

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,780 sqft · built 1909
Lot Size	0.337 acres (14,701 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (May 2018)
Tax Bill	$8,059 (2026)
Deeds & Mortgages	Feb 2018 Line of Credit May 2018 Sale & Mortgage + 1 more
APN	`11D000054`

Property Details

APN / Parcel Number

Primary APN	`11D000054`
Alternative APN	`AMHE M:0011D B:0000 L:0054`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,780 sqft Living Area
Gross Area	3,097 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Colonial
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,701 sqft (0.337 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	11D000054
Street Address	91 COTTAGE ST
City	AMHERST
State	MA
Zip	01002-2123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	54
Jurisdiction	AMHERST MA
Township / Civil Division	AMHERST TOWN
Census Block Group	2
Census Block	2009
Census Tract	820500

Owner

Source: Hampshire County and Amherst Town City 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	91 COTTAGE ST, AMHERST, MA 01002-2123
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2018	Deed of Trust, Mortgage · Line of Credit TD BANK NA
May 17, 2018	Quit Claim Deed, Transfer PEOPLESBANK (HOLYOKE)
Jul 12, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2018 · Amount on Record
Deed Sale	May 17, 2018 · Amount on Record
Prior Sale	Dec 17, 2015
Deed Book / Page	12955 / 149
Transfer Doc	012955-149
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST MA
Property Address	91 COTTAGE ST, AMHERST, MA 01002-2123
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	12875-121
Date	Feb 7, 2018
Book Page	12875/121
Instrument	2378

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	May 17, 2018
Property Address	91 COTTAGE ST, AMHERST, MA 01002-2123
Document Number	12955-149
Book / Page	12955 / 149
Instrument	8942
Transaction Type	Transfer
Record Updated	Jun 8, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 COTTAGE ST, AMHERST, MA 01002-2123

Mortgage

Document Number	129550153
Date	May 17, 2018
Instrument	12955/0153

Lender

Name	PEOPLESBANK (HOLYOKE)

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 17, 2033

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	AMHERST MA
Recording Date	Jul 12, 2017
Property Address	91 COTTAGE ST, AMHERST, MA 01002-2123
Document Number	12681-95
Book / Page	012681 / 000095
Instrument Date	Jul 12, 2017
Instrument	13745
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 COTTAGE ST AMHERST MA 010022123, AMHERST, MA 01002-2123

Tax Assessment & Valuation

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	$8,059.00 (+10,232.05%)	$476,600 (+8.81%) Land $220,900 Building $255,700	$573,451 (-2.07%)
2025	$78.00 (-98.98%)	$438,000 (+5.64%) Land $202,700 Building $235,300	$585,580
2024	$7,674.00 (+2.85%)	$414,600 (+11.69%) Land $191,200 Building $223,400
2023	$7,461.00	$371,200 Land $173,800 Building $197,400

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	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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