Berkshire County and Cheshire Town property record for 971 N State Rd, Cheshire, MA 01225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,326 sqft · built 1880 |
| Lot Size | 0.95 acres (41,382 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,297 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jul 2017 Mortgage |
| APN | CHES M:0225 L:0026 |
| Primary APN | CHES M:0225 L:0026 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,326 sqft Living Area |
| Gross Area | 3,728 sqft |
| Basement Area | 955 sqft |
| Unfinished Basement | 955 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 41,382 sqft (0.95 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9450 |
|---|---|
| Street Address | 971 N STATE RD |
| City | CHESHIRE |
| State | MA |
| Zip | 01225-9621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Lot Number | 26 |
| Jurisdiction | CHESHIRE MA |
| Township / Civil Division | CHESHIRE |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 923100 |
Source: Berkshire County and Cheshire 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 | 971 N STATE RD, CHESHIRE, MA 01225-9621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 28, 2026 | Deed of Trust, Mortgage MELO LENDING LLC |
| Jul 31, 2017 | Deed of Trust, Mortgage ADAMS COMMUNITY BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESHIRE MA |
| Recording Date | Apr 28, 2026 |
| Property Address | 971 N STATE RD, CHESHIRE, MA 01225-9621 |
| Document Number | 001916-206 |
| Book / Page | 1916 / 206 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 20262137 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000002137, |
|---|---|
| Date | Apr 28, 2026 |
| Book Page | 1916/206 |
| Instrument | 20262137 |
| Name | MELO LENDING LLC |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESHIRE MA |
| Property Address | 971 N STATE RD, CHESHIRE, MA 01225-9621 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1630-547 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 1630/547 |
| Instrument | 4458 |
| Name | ADAMS COMMUNITY BK |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Jul 1, 2042 |
Source: Berkshire County and Cheshire Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Berkshire County |
| County Subdivision | Cheshire Town |
| Unified School District | Hoosac Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,297.00 (-4.3%) | $311,600 (+0.68%) Land $70,300 Building $241,300 | $202,406 |
| 2025 | $3,445.00 (+4.39%) | $309,500 (+8.52%) Land $66,900 Building $242,600 | |
| 2024 | $3,300.00 (+5.4%) | $285,200 (+9.02%) Land $63,500 Building $221,700 | |
| 2023 | $3,131.00 | $261,600 Land $65,600 Building $196,000 |
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 | 1 in force |
| Nearby Flood Claims | 1 (2000) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2000 · river or lake flooding |
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 | CHESHIRE WATER DEPT serves 1,407 people · EPA ID MA1058000 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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