1065 Central St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1065 Central St, Palmer, MA 01069

Property Summary

Property Type	Triplex
Details	5 bd · 3 ba · 3,080 sqft · built 1870
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,327 (2025)
Deeds & Mortgages	Apr 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:58 B:135`

Property Details

APN / Parcel Number

Primary APN	`PALM M:58 B:135`
Alternative APN	`M:0058 L:000135`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Units	3 Units
Stories	2 Stories
Building Area	3,080 sqft Living Area
Gross Area	6,368 sqft
1st Floor Area	1,504 sqft
Attic	Attic
Attic Area	980 sqft
Basement Area	1,360 sqft
Unfinished Basement	1,360 sqft

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	1065 CENTRAL ST
City	PALMER
State	MA
Zip	01069-7100
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TR
Legal Block	135
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	4
Census Block	4001
Census Tract	810100

Owner

1065 Central St, a triplex, is owned by two individuals who acquired it in April 2025.

Source: Hampden County and Palmer Town City records, as of April 14, 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 File
Mailing Address	PO BOX 123, BONDSVILLE, MA 01009-0123
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2010
Deed Sale	Apr 1, 2010
Prior Sale	Dec 28, 2004 · Amount on File
Deed Book / Page	18240 / 418
Last Transfer Date	Apr 10, 2025
Transfer Doc	025823-259
Record Updated	Jun 8, 2026

April 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Apr 10, 2025
Property Address	1065 CENTRAL ST, PALMER, MA 01069-7100
Document Number	025823-259
Book / Page	25823 / 259
Instrument Date	Apr 10, 2025
Instrument	15743
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	PO BOX 123, BONDSVILLE, MA 01009-0123

Mortgage

Document Number	0000015744
Date	Apr 10, 2025
Instrument	15744

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 1065 Central St was $5,327, up 17.5% from the year before.

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
2025	$5,327.00 (+17.46%)	$293,500 (+20.83%) Land $53,600 Building $239,900
2024	$4,535.00 (+5.07%)	$242,900 (+9.41%) Land $48,700 Building $194,200
2023	$4,316.00	$222,000 Land $48,700 Building $173,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 1065 Central St 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

Wildfire risk around 1065 Central St 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.

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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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