Franklin County and Bernardston Town property record for 91 River St, Bernardston, MA 01337
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,161 sqft · built 1929 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $2,000 (Nov 2020) |
| Tax Bill | $3,262 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Sep 2021 Refinance + 2 more |
| APN | 290090000800060 |
| Primary APN | 290090000800060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,161 sqft Living Area |
| Gross Area | 1,468 sqft |
| 1st Floor Area | 732 sqft |
| Basement Area | 572 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Conventional |
| Exterior Material | Other |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Account Number | 290090000800060 |
|---|---|
| Street Address | 91 RIVER ST |
| City | BERNARDSTON |
| State | MA |
| Zip | 01337-9673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CV |
| Legal Block | 8 |
| Legal Lot Number | 60 |
| Jurisdiction | BERNARDSTON MA |
| Township / Civil Division | BERNARDSTON |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 40200 |
Source: Franklin County and Bernardston Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 91 RIVER ST, BERNARDSTON, MA 01337-9673 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Line of Credit FRANKLIN FIRST FEDERAL CREDIT UNION |
| Sep 2, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION |
| Jan 16, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION |
| Dec 11, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Deed Book / Page | 7642 / 331 |
| Prior Transfer Date | Nov 3, 2020 |
| Prior Transfer Doc | 007642-331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 91 RIVER ST, BERNARDSTON, MA 01337-9673 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2026 |
| Name | Verified Name |
|---|
| Document Number | 008586-271 |
|---|---|
| Date | Dec 31, 2025 |
| Book Page | 8586/271 |
| Instrument | 12006 |
| Name | FRANKLIN FIRST FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 91 RIVER ST, BERNARDSTON, MA 01337-9673 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 007842-291 |
|---|---|
| Date | Sep 2, 2021 |
| Book Page | 7842/291 |
| Instrument | 11259 |
| Name | FRANKLIN FIRST FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 91 RIVER ST, BERNARDSTON, MA 01337-9673 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7313-120 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | 7313/120 |
| Instrument | 488 |
| Name | FRANKLIN FIRST FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERNARDSTON MA |
| Property Address | 91 RIVER ST, BERNARDSTON, MA 01337-9673 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 7666-183 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 7666/183 |
| Instrument | 13529 |
| Name | FRANKLIN FIRST FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jan 1, 2031 |
Source: Franklin County and Bernardston Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Franklin County |
| County Subdivision | Bernardston Town |
| Unified School District | Pioneer Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,262.00 (+1.18%) | $228,600 (+13.39%) Land $77,600 Building $151,000 | $267,723 (+22.21%) |
| 2024 | $219,070 | ||
| 2023 | $3,224.00 | $201,600 Land $65,800 Building $135,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2011–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Dec 2024 · other causes |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BERNARDSTON FIRE WATER DIST serves 1,471 people · EPA ID MA1029000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2025 |
| Lead | 1 ppb (2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead public education Jun 2016 |
| 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.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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