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97 Lake St, Florence, MA 01062 Property Records

Hampshire County and Northampton City property record for 97 Lake St, Florence, MA 01062

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,813 sqft · built 1920
Lot Size0.297 acres (12,924 sqft)
OwnerTrust Name on File
Last Sale$91,000 (Nov 2009)
Tax Bill$7,210 (2025)
Deeds & MortgagesNov 2020 Line of Credit
Jul 2017 Transfer
APNNHAM M:017A B:0231 L:0001

Property Details

APN / Parcel Number

Primary APNNHAM M:017A B:0231 L:0001

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,813 sqft Living Area
1st Floor Area684 sqft

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 2011
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Lot Area12,924 sqft (0.297 acres)
Garage TypeAttached
Deck AreaDeck Area

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address97 LAKE ST
CityFLORENCE
StateMA
Zip01062-1318
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeURB
Legal SubdivisionNORTHAMPTON
Legal Block231
Legal Lot Number1
JurisdictionNORTHAMPTON MA
Township / Civil DivisionNORTHAMPTON
Census Block Group2
Census Block2003
Census Tract821700

Owner

97 Lake St is owner-occupied and held in a trust since November 2009.

Source: Hampshire County and Northampton City records, as of July 20, 2026

Owner of RecordTrust Name on File
Mailing Address97 LAKE ST, FLORENCE, MA 01062-1318
OccupancyOwner Occupied
Owner TypeIndividual
VestingTrust

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

DateDocument
Nov 9, 2020Deed of Trust, Mortgage · Line of Credit
FLORENCE BK
Jul 6, 2017Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 6, 2009 · Amount on File
Deed SaleNov 6, 2009 · Amount on File
Prior SaleMay 8, 1992 · Amount on File
Deed Book / Page10016 / 183
Transfer Doc12674-290
Record UpdatedSep 20, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNORTHAMPTON MA
Property Address97 LAKE ST, NORTHAMPTON, MA 01062-1318
Document Number13857-161
Instrument DateNov 9, 2020
Transaction TypeMortgage
Record UpdatedDec 9, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTrust
Address97 LAKE ST NORTHAMPTON MA 010621318, NORTHAMPTON, MA 01062-1318

Mortgage

Document Number13857-161
DateNov 16, 2020
Book Page013857/000161
Instrument24189
Lender
NameFLORENCE BK
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

July 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionNORTHAMPTON MA
Recording DateJul 6, 2017
Property Address97 LAKE ST, NORTHAMPTON, MA 01062-1318
Document Number12674-290
Book / Page012674 / 000290
Instrument DateJun 27, 2017
Instrument13237
Transaction TypeTransfer
Record UpdatedJul 25, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address97 LAKE ST FLORENCE MA 010621318, FLORENCE, MA 01062-1318

Tax Assessment & Valuation

The 2025 property tax bill for 97 Lake St was $7,210.

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

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampshire County
MunicipalityNorthampton City
Unified School DistrictNorthampton School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$7,210.00$517,600 Land $171,200 Building $346,400$596,885 (+14.9%)
2024$519,460
2023$5,896.00$372,200 Land $135,800 Building $236,400

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 97 Lake St; 1 flood insurance policy is in force nearby.

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

FEMA Flood ZoneNot on file
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 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

Wildfire risk around 97 Lake 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 RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTHAMPTON WATER DIVISION
serves 29,571 people · EPA ID MA1214000
Water SourceSurface water
Last State InspectionMay 2024
Lead3 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

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