Hampden County and Palmer Town City property record for 1045 Circle Dr, Palmer, MA 01069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,198 sqft · built 1964 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $358,000 (Apr 2024) |
| Tax Bill | $6,391 (2025) |
| Deeds & Mortgages | Apr 2024 Sale & Mortgage Aug 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:8 B:25 |
| Primary APN | PALM M:8 B:25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 2,841 sqft |
| 1st Floor Area | 1,198 sqft |
| Basement Area | 1,198 sqft |
| Unfinished Basement | 838 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Street Address | 1045 CIRCLE DR |
|---|---|
| City | PALMER |
| State | MA |
| Zip | 01069-1911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 25 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 810100 |
1045 Circle Dr is owned by two individuals who bought it in April 2024.
Source: Hampden County and Palmer Town City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15 BARBARA ST, CHICOPEE, MA 01020-3006 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 30, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC |
| Aug 15, 2023 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Apr 1, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2024 · Amount on File |
| Deed Sale | Apr 30, 2024 · Amount on File |
| Prior Sale | Apr 1, 2019 · Amount on File |
| Deed Document Number | 202418446 |
| Deed Book / Page | 25402 / 284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Apr 30, 2024 |
| Property Address | 1045 CIRCLE DR, PALMER, MA 01069-1911 |
| Document Number | 025402-284 |
| Book / Page | 25402 / 284 |
| Instrument Date | Apr 30, 2024 |
| Instrument | 18446 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 15 BARBARA ST, CHICOPEE, MA 01020-3006 |
| Document Number | 0000018447 |
|---|---|
| Date | Apr 30, 2024 |
| Instrument | 18447 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 1045 CIRCLE DR, PALMER, MA 01069-1911 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0025116-85 |
|---|---|
| Date | Aug 15, 2023 |
| Book Page | 25116/85 |
| Instrument | 37882 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Apr 1, 2019 |
| Property Address | 1045 CIRCLE DR, PALMER, MA 01069-1911 |
| Document Number | 22606-582 |
| Book / Page | 022606 / 000582 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 15835 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,060.20 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 OSPREY RD ALTON NH 038095066, ALTON, NH 03809-5066 |
The 2025 property tax bill for 1045 Circle Dr was $6,391, up 7.5% from the year before.
Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,391.00 (+7.5%) | $352,100 (+10.58%) Land $56,100 Building $296,000 | $332,975 (+0.2%) |
| 2024 | $5,945.00 (+5.05%) | $318,400 (+9.38%) Land $51,100 Building $267,300 | $332,310 |
| 2023 | $5,659.00 | $291,100 Land $51,100 Building $240,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Circle Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1045 Circle Dr 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 | 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures