1075 Central St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1075 Central St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,481 sqft · built 1880
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$314,000 (Sep 2026)
Tax Bill	$6,670 (2026)
Deeds & Mortgages	Sep 2026 Second Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:58 B:132`

Property Details

APN / Parcel Number

Primary APN	`PALM M:58 B:132`
Alternative APN	`M:0058 L:000132`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,481 sqft Living Area
Gross Area	5,020 sqft
1st Floor Area	1,477 sqft
Attic	Attic
Attic Area	703 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	1075 CENTRAL ST
City	PALMER
State	MA
Zip	01069-1756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	132
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	4
Census Block	4001
Census Tract	810100

Owner

1075 Central St is owned and occupied by two individuals who bought it in September 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1075 CENTRAL ST, PALMER, MA 01069-1756
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CMG MORTGAGE INC
Sep 3, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Jul 28, 2022	Warranty Deed, Transfer
Oct 31, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2026 · Amount on File
Deed Sale	Sep 3, 2026 · Amount on File
Prior Sale	Jul 28, 2022 · Amount on File
Deed Document Number	202643099
Deed Book / Page	26496 / 35
Prior Transfer Date	Aug 25, 2026
Prior Transfer Doc	0000043099
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Recording Date	Sep 3, 2026
Property Address	1075 CENTRAL ST, PALMER, MA 01069-1756
Document Number	0000043101
Book / Page	26496 / 58
Instrument Date	Sep 3, 2026
Instrument	202643101
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1075 CENTRAL ST, PALMER, MA 01069-1756

Mortgage

Document Number	0000043101,
Date	Sep 3, 2026
Book Page	26496/58
Instrument	202643101

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Sep 3, 2026
Property Address	1075 CENTRAL ST, PALMER, MA 01069-1756
Document Number	0000043099
Book / Page	26496 / 35
Instrument Date	Aug 25, 2026
Instrument	202643099
Transaction Type	Transfer
Record Updated	Sep 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1075 CENTRAL ST, PALMER, MA 01069-1756

Mortgage

Date	Sep 3, 2026

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Jul 28, 2022
Property Address	1075 CENTRAL ST, PALMER, MA 01069-1756
Document Number	0024659-45
Book / Page	24659 / 45
Instrument Date	Jul 25, 2022
Instrument	45806
Transaction Type	Transfer
Record Updated	Aug 12, 2022

Transaction

Amount	Amount 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	Joint Tenants with Right of Survivorship
Address	2 BRENTWOOD DR #2 # 2, 2, STURBRIDGE, MA 01566-1129

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Oct 31, 2019
Property Address	1075 CENTRAL ST, PALMER, MA 01069-1756
Document Number	22931-301
Book / Page	22931 / 301
Instrument Date	Oct 28, 2019
Instrument	64039
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
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
Address	5 ROCKLAND PARK, MALDEN, MA 02148-3654

Mortgage

Document Number	64040
Date	Oct 31, 2019
Instrument	64040

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1075 Central St was $6,670, up 3.5% 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	Assessed Market Value
2026	$6,670.00 (+3.49%)	$356,900 (+0.51%) Land $53,600 Building $303,300	$309,592 (-6.62%)
2025	$6,445.00 (+35.17%)	$355,100 (+39.04%) Land $53,600 Building $301,500	$331,550 (+0.95%)
2024	$4,768.00 (+3.63%)	$255,400 (+7.9%) Land $48,700 Building $206,700	$328,415
2023	$4,601.00	$236,700 Land $48,700 Building $188,000

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

Flood

FEMA maps place 1075 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 1075 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	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 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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