12 Lake Dr, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 12 Lake Dr, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,236 sqft · built 2021
Lot Size	0.447 acres (19,468 sqft)
Owner	Individual Name on Record
Last Sale	$540,000 (Nov 2021)
Tax Bill	$10,863 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 89`

Property Details

APN / Parcel Number

Primary APN	`MAP 89`
Alternative APN	`WILB M:6350 B:12 L:102200`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,236 sqft Living Area
Gross Area	4,108 sqft
Basement Area	1,024 sqft
Unfinished Basement	1,024 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	19,468 sqft (0.447 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 89
Street Address	12 LAKE DR
City	WILBRAHAM
State	MA
Zip	01095-1163
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Block	12
Legal Lot Number	102200
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	1
Census Block	1027
Census Tract	813601

Owner

Source: Hampden County and Wilbraham Town 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	Individual Name on Record
Mailing Address	12 LAKE DR, WILBRAHAM, MA 01095-1163
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage POLISH NATIONAL CU
Nov 3, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage JPMORGAN CHASE BANK NA
Sep 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	Sep 21, 2020 · Amount on Record
Deed Document Number	202178343
Deed Book / Page	24225 / 32
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	23431-268
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	12 LAKE DR, WILBRAHAM, MA 01095-1163
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023799-407
Date	Apr 1, 2021
Book Page	23799/407
Instrument	22087

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Nov 3, 2021
Property Address	12 LAKE DR, WILBRAHAM, MA 01095-1163
Document Number	0024225-32
Book / Page	24225 / 32
Instrument Date	Nov 2, 2021
Instrument	78343
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Amount	Amount Recorded
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	15 GREEN KNOLL CT, FORT SALONGA, NY 11768-1357

Mortgage

Document Number	0000078344
Date	Nov 3, 2021
Instrument	78344

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Sep 21, 2020
Property Address	12 LAKE DR, WILBRAHAM, MA 01095-1163
Document Number	23431-268
Book / Page	023431 / 000268
Instrument Date	Sep 11, 2020
Instrument	53368
Transaction Type	Transfer
Record Updated	Oct 13, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$407.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	HILLCREST CIR WESTFIELD MA 01085, WESTFIELD, MA 01085

Tax Assessment & Valuation

Source: Hampden County and Wilbraham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wilbraham Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,863.00 (+2.34%)	$622,500 (+4.85%) Land $89,600 Building $532,900	$594,760 (-8.17%)
2025	$10,615.00 (+2.64%)	$593,700 (+6.21%) Land $89,600 Building $504,100	$647,710 (-1.86%)
2024	$10,342.00 (+9.9%)	$559,000 (+11.09%) Land $89,600 Building $469,400	$659,965
2023	$9,410.00	$503,200 Land $89,600 Building $413,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
Monitoring and Reporting	2 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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