1 Bowden St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1 Bowden St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,264 sqft · built 1977
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Feb 2021)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:60 B:52`

Property Details

APN / Parcel Number

Primary APN	`PALM M:60 B:52`
Alternative APN	`M:0060 L:000052`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
Gross Area	3,762 sqft
1st Floor Area	936 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	1 BOWDEN ST
City	PALMER
State	MA
Zip	01069-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	52
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	3
Census Block	3016
Census Tract	810100

Owner

Source: Hampden County and Palmer Town City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1 BOWDEN ST, PALMER, MA 01069-1003
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SOUTHBRIDGE CU
Feb 25, 2021	Quit Claim Deed, Transfer · FHA Mortgage NORTHERN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Prior Sale	Dec 13, 2013 · Amount on Record
Deed Document Number	202112930
Deed Book / Page	23728 / 103
Prior Transfer Date	Feb 18, 2021
Prior Transfer Doc	23728-103
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1 BOWDEN ST, PALMER, MA 01069-1003
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026262-555
Date	Mar 24, 2026
Book Page	26262/555
Instrument	12316

Lender

Name	SOUTHBRIDGE CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Feb 25, 2021
Property Address	1 BOWDEN ST, PALMER, MA 01069-1003
Document Number	23728-103
Book / Page	23728 / 103
Instrument Date	Feb 18, 2021
Instrument	12930
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	46 RAWSON ST # 1, 1, LEICESTER, MA 01524-2034

Mortgage

Document Number	12931
Date	Feb 25, 2021
Instrument	12931

Lender

Name	NORTHERN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Palmer Town City
Unified School District	Palmer School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,167.00 (+7.11%)	$284,700 (+10.18%) Land $53,100 Building $231,600	$327,983 (+6.66%)
2024	$4,824.00 (+3.56%)	$258,400 (+7.85%) Land $48,300 Building $210,100	$307,515
2023	$4,658.00	$239,600 Land $48,300 Building $191,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	4 (2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 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

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	PALMER WATER DISTRICT NO.1 serves 4,789 people · EPA ID MA1227000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Jan 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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