1045 Pine St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1045 Pine St, Palmer, MA 01069

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,620 sqft · built 1880
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Oct 2025)
Tax Bill	$4,106 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:61 B:172`

Property Details

APN / Parcel Number

Primary APN	`PALM M:61 B:172`
Alternative APN	`M:0061 L:000172`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,620 sqft Living Area
Gross Area	4,754 sqft
1st Floor Area	1,310 sqft
Basement Area	1,310 sqft
Unfinished Basement	1,310 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	1045 PINE ST
City	PALMER
State	MA
Zip	01069-1344
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TR
Legal Block	172
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	3
Census Block	3006
Census Tract	810100

Owner

Source: Hampden County and Palmer Town City 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	2 Individual Names on Record
Mailing Address	170 BROOKLINE ST, WORCESTER, MA 01603-1634
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Oct 28, 2025	Deed, Transfer
Mar 12, 2020	Quit Claim Deed, Transfer · Commercial Mortgage WESTFIELD BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on Record
Deed Sale	Oct 28, 2025 · Amount on Record
Prior Sale	Oct 12, 2011 · Amount on Record
Deed Document Number	202551406
Deed Book / Page	26086 / 54
Prior Transfer Date	Mar 12, 2020
Prior Transfer Doc	23124-303
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Recording Date	Apr 29, 2026
Property Address	1045 PINE ST, PALMER, MA 01069-1344
Document Number	026310-288
Book / Page	26310 / 288
Instrument Date	Apr 29, 2026
Instrument	202618610
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 PINE ST, PALMER, MA 01069-1344

Mortgage

Document Number	0000018610,
Date	Apr 29, 2026
Book Page	26310/288
Instrument	202618610

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	PALMER MA
Recording Date	Oct 28, 2025
Property Address	1045 PINE ST, PALMER, MA 01069-1344
Document Number	0026086-54
Book / Page	26086 / 54
Instrument Date	Oct 20, 2025
Instrument	51406
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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	170 BROOKLINE ST, WORCESTER, MA 01603-1634

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Mar 12, 2020
Property Address	1045 PINE ST, PALMER, MA 01069-1344
Document Number	23124-303
Book / Page	23124 / 303
Instrument Date	Mar 12, 2020
Instrument	13613
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2249 BAPTIST HILL RD, PALMER, MA 01069-9600

Mortgage

Document Number	23124-307
Date	Mar 12, 2020
Book Page	23124/307
Instrument	13614

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Commercial 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	$4,106.00 (+7.12%)	$226,200 (+10.18%) Land $54,100 Building $172,100	$316,199
2024	$3,833.00 (+4.93%)	$205,300 (+9.26%) Land $49,200 Building $156,100
2023	$3,653.00	$187,900 Land $49,200 Building $138,700

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 146 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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