1084 Central St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1084 Central St, Palmer, MA 01069

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,395 sqft · built 1900
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Nov 2021)
Tax Bill	$5,381 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:58 B:101`

Property Details

APN / Parcel Number

Primary APN	`PALM M:58 B:101`
Alternative APN	`M:0058 L:000101`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	12 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,395 sqft Living Area
Gross Area	4,389 sqft
1st Floor Area	1,104 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	1084 CENTRAL ST
City	PALMER
State	MA
Zip	01069-1752
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	TR
Legal Block	101
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	4
Census Block	4000
Census Tract	810100

Owner

1084 Central St, a duplex, is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1084 CENTRAL ST, PALMER, MA 01069-1752
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 30, 2021	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Aug 16, 2017	Quit Claim Deed, Transfer ALDENVILLE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2021 · Amount on File
Deed Sale	Nov 30, 2021 · Amount on File
Prior Sale	Dec 18, 2013 · Amount on File
Deed Book / Page	24273 / 593
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Nov 30, 2021
Property Address	1084 CENTRAL ST, PALMER, MA 01069-1752
Document Number	024273-593
Book / Page	24273 / 593
Instrument Date	Nov 30, 2021
Instrument	84815
Transaction Type	Transfer
Record Updated	Dec 17, 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
Relationship	Joint Tenants with Right of Survivorship
Address	1084 CENTRAL ST # 1086, 1086, PALMER, MA 01069-1752

Mortgage

Document Number	0000084816
Date	Nov 30, 2021
Instrument	84816

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Aug 16, 2017
Property Address	1084 CENTRAL ST, PALMER, MA 01069-1752
Document Number	21814-484
Book / Page	021814 / 000484
Instrument Date	Aug 11, 2017
Instrument	47519
Transaction Type	Transfer
Record Updated	Sep 6, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1086 CENTRAL ST PALMER MA 010691752, PALMER, MA 01069-1752

Mortgage

Document Number	21814-486
Date	Aug 16, 2017
Book Page	021814/000486
Instrument	47520

Lender

Name	ALDENVILLE CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1084 Central St was $5,381, up 6.7% 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
2025	$5,381.00 (+6.74%)	$296,500 (+9.81%) Land $50,500 Building $246,000	$335,221
2024	$5,041.00 (+3.81%)	$270,000 (+8.09%) Land $45,900 Building $224,100
2023	$4,856.00	$249,800 Land $45,900 Building $203,900

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

Flood

FEMA maps place 1084 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 1084 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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