98 Bay Rd, Hadley, MA 01035 Property Records

Hampshire County and Hadley Town property record for 98 Bay Rd, Hadley, MA 01035

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 4,131 sqft · built 1977
Lot Size	1.16 acres (50,909 sqft)
Owner	Trust Name on File
Last Sale	$687,500 (Jul 2005)
Tax Bill	$9,633 (2026)
Deeds & Mortgages	Dec 2023 Sale Nov 2019 Line of Credit + 2 more
APN	`HADL M:0004E B:0044 L:0000`

Property Details

APN / Parcel Number

Primary APN	`HADL M:0004E B:0044 L:0000`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,131 sqft Living Area
Gross Area	8,236 sqft
Basement Area	2,079 sqft
Unfinished Basement	2,079 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Historical
Exterior Material	Wood Siding
Roof Type	Mansard
Roof Material	Slate
Lot Area	50,909 sqft (1.16 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	98 BAY RD
City	HADLEY
State	MA
Zip	01035-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Block	44
Jurisdiction	HADLEY MA
Township / Civil Division	HADLEY
Census Block Group	1
Census Block	1021
Census Tract	821400

Owner

98 Bay Rd is owner-occupied and held in a trust since July 2005.

Source: Hampshire County and Hadley Town records, as of October 20, 2026

Owner of Record	Trust Name on File
Mailing Address	98 BAY RD, HADLEY, MA 01035-9427
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

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
Dec 1, 2023	Deed, Transfer
Nov 15, 2019	Deed of Trust, Mortgage · Line of Credit FLORENCE BK
Oct 16, 2018	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 4, 2018	Deed of Trust, Mortgage · Line of Credit FLORENCE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2005 · Amount on File
Deed Sale	Jul 15, 2005 · Amount on File
Prior Sale	Jun 23, 1993 · Amount on File
Deed Document Number	200518194
Deed Book / Page	8346 / 107
Transfer Doc	13103-152
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HADLEY MA
Recording Date	Dec 1, 2023
Property Address	98 BAY RD, HADLEY, MA 01035-9427
Document Number	0015023-66
Book / Page	15023 / 66
Instrument Date	Nov 29, 2023
Instrument	19015
Transaction Type	Transfer
Record Updated	Dec 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BAY RD, HADLEY, MA 01035-9427

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HADLEY MA
Property Address	98 BAY RD, HADLEY, MA 01035-9427
Document Number	13464-260
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BAY RD HADLEY MA 010359427, HADLEY, MA 01035-9427

Mortgage

Document Number	13464-260
Date	Nov 20, 2019
Book Page	013464/000260
Instrument	23233

Lender

Name	FLORENCE BK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2049

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HADLEY MA
Recording Date	Oct 16, 2018
Property Address	98 BAY RD, HADLEY, MA 01035-9427
Document Number	13103-152
Book / Page	013103 / 000152
Instrument Date	Oct 16, 2018
Instrument	21037
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BAY RD HADLEY MA 010359427, HADLEY, MA 01035-9427

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HADLEY MA
Property Address	98 BAY RD, HADLEY, MA 01035-9427
Document Number	13115-337
Instrument Date	Oct 4, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BAY RD HADLEY MA 010359427, HADLEY, MA 01035-9427

Mortgage

Document Number	13115-337
Date	Oct 31, 2018
Book Page	013115/000337
Instrument	22103

Lender

Name	FLORENCE BK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 98 Bay Rd was $9,633, up 1.7% from the year before.

Source: Hampshire County and Hadley Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampshire County
County Subdivision	Hadley Town
Unified School District	Hadley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,633.00 (+1.74%)	$840,600 (+3.26%) Land $147,500 Building $693,100	$911,877 (-12.61%)
2025	$9,468.00 (+5.85%)	$814,100 (+3.67%) Land $134,300 Building $679,800	$1,043,480 (+19.37%)
2024	$8,945.00 (-0.08%)	$785,300 (+1.24%) Land $134,300 Building $651,000	$874,190
2023	$8,952.00	$775,700 Land $134,300 Building $641,400

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 98 Bay Rd; there have been 20 flood claims nearby since 1984.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	20 (1984–2023)
Claims Outside the SFHA	2 of 20
Most Recent Claim	Jul 2023 · rainfall accumulation
Claims by Event	Tropical Storm Irene, Aug 2011 · 9 claims

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 98 Bay Rd 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	None beyond ember reach

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	HADLEY DPW WATER DIVISION serves 4,819 people · EPA ID MA1117002
Water Source	Groundwater
Last State Inspection	Sep 2025
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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