12 Ruth Dr, Wilbraham, MA 01095 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,844 sqft · built 1961
Lot Size	0.715 acres (31,125 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Oct 2020)
Tax Bill	$7,688 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MAP 68`

Property Details

APN / Parcel Number

Primary APN	`MAP 68`
Alternative APN	`WILB M:10450 B:12 L:4254`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,844 sqft Living Area
Gross Area	4,143 sqft
1st Floor Area	1,088 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	31,125 sqft (0.715 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 68
Street Address	12 RUTH DR
City	WILBRAHAM
State	MA
Zip	01095-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R34
Legal Block	12
Legal Lot Number	4254
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	3
Census Block	3020
Census Tract	813602

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 RUTH DR, WILBRAHAM, MA 01095-2610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU
Oct 16, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2020 · Amount on Record
Deed Sale	Oct 16, 2020 · Amount on Record
Prior Sale	Aug 1, 2001 · Amount on Record
Deed Document Number	202059861
Deed Book / Page	23478 / 456
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	12 RUTH DR, WILBRAHAM, MA 01095-2610
Transaction Type	Mortgage
Record Updated	Sep 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025145-367
Date	Sep 7, 2023
Book Page	25145/367
Instrument	42158

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2033

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Oct 16, 2020
Property Address	12 RUTH DR, WILBRAHAM, MA 01095-2610
Document Number	23478-456
Book / Page	23478 / 456
Instrument Date	Oct 16, 2020
Instrument	59861
Transaction Type	Transfer
Record Updated	May 11, 2021

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
Relationship	Tenants by the Entirety
Address	50 MARTIN FARMS RD, HAMPDEN, MA 01036-9629

Mortgage

Document Number	59862
Date	Oct 16, 2020
Instrument	59862

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$7,688.00 (+2.49%)	$440,600 (+5.03%) Land $102,700 Building $337,900	$468,294 (+5.02%)
2025	$7,501.00 (+0.19%)	$419,500 (+3.66%) Land $102,700 Building $316,800	$445,930 (+0.56%)
2024	$7,487.00 (+4.92%)	$404,700 (+6.05%) Land $102,700 Building $302,000	$443,460
2023	$7,136.00	$381,600 Land $102,700 Building $278,900

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	4 in force
Nearby Flood Claims	4 (1978–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ruth Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures