92 River St, Bernardston, MA 01337 Property Records

Franklin County and Bernardston Town property record for 92 River St, Bernardston, MA 01337

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,720 sqft · built 1984
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Dec 2015)
Tax Bill	$8,740 (2025)
Deeds & Mortgages	Jan 2022 Refinance Sep 2019 Refinance + 1 more
APN	`290030000200022`

Property Details

APN / Parcel Number

Primary APN	`290030000200022`
Alternative APN	`BERN M:0030 B:0002 L:00022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,720 sqft Living Area
Gross Area	3,351 sqft
1st Floor Area	1,560 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	290030000200022
Street Address	92 RIVER ST
City	BERNARDSTON
State	MA
Zip	01337-9667
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CV
Legal Block	2
Legal Lot Number	22
Jurisdiction	BERNARDSTON MA
Township / Civil Division	BERNARDSTON
Census Block Group	1
Census Block	1071
Census Tract	40200

Owner

92 River St is owned and occupied by an individual who bought it in December 2015.

Source: Franklin County and Bernardston Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	92 RIVER ST, BERNARDSTON, MA 01337-9667
Occupancy	Owner Occupied
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

Date	Document
Jan 13, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FRANKLIN FIRST FEDERAL CREDIT UNION
Dec 2, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2015 · Amount on File
Deed Sale	Dec 11, 2015 · Amount on File
Deed Book / Page	6788 / 236
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERNARDSTON MA
Property Address	92 RIVER ST, BERNARDSTON, MA 01337-9667
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	007932-244
Date	Jan 13, 2022
Book Page	7932/244
Instrument	202200000434

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERNARDSTON MA
Property Address	92 RIVER ST, BERNARDSTON, MA 01337-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7416-140
Date	Sep 5, 2019
Book Page	7416/140
Instrument	9126

Lender

Name	FRANKLIN FIRST FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BERNARDSTON MA
Property Address	92 RIVER ST, BERNARDSTON, MA 01337-9667
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	7660-284
Date	Dec 2, 2020
Book Page	7660/284
Instrument	13154

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2025 property tax bill for 92 River St was $8,740.

Source: Franklin County and Bernardston Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Franklin County
County Subdivision	Bernardston Town
Unified School District	Pioneer Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,740.00	$612,500 Land $82,200 Building $530,300	$644,635 (+30.12%)
2024			$495,425
2023	$8,903.00	$556,800 Land $70,800 Building $486,000

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 92 River St; there have been 2 flood claims nearby since 2011.

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.

Wildfire

Wildfire risk around 92 River 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	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

Violations Reported to EPA

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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on River St

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