127 Summer St, Thorndike, MA 01079 Property Records

Hampden County and Palmer Town City property record for 127 Summer St, Thorndike, MA 01079

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,648 sqft · built 1976
Lot Size	12.8 acres (557,568 sqft)
Owner	Individual Name on File
Last Sale	$386,925 (Feb 2026)
Tax Bill	$5,992 (2025)
Deeds & Mortgages	Nov 2021 Refinance Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:29 B:44`

Property Details

APN / Parcel Number

Primary APN	`PALM M:29 B:44`
Alternative APN	`M:0029 L:000044`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
Gross Area	3,440 sqft
1st Floor Area	1,648 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	557,568 sqft (12.8 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	127 SUMMER ST
City	THORNDIKE
State	MA
Zip	01079-7709
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	44
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1014
Census Tract	810200

Owner

127 Summer St is owned by an individual who bought it in February 2026.

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

Owner of Record	Individual Name on File
Mailing Address	166 MONTGOMERY RD, WESTFIELD, MA 01085-1065
Owner Type	Individual
Vesting	Tenants by the Entirety

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 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Dec 8, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 26, 2026	Quit Claim Deed, Transfer PEOPLESBANK (HOLYOKE MA)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on File
Deed Sale	Feb 26, 2026 · Amount on File
Prior Sale	Apr 5, 2004 · Amount on File
Prior Transfer Date	Feb 19, 2026
Prior Transfer Doc	0000242082
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	127 SUMMER ST, THORNDIKE, MA 01079-7709
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228506
Date	Nov 22, 2021
Instrument	228506

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	127 SUMMER ST, THORNDIKE, MA 01079-7709
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000241454
Date	Dec 8, 2025
Instrument	241454

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jan 1, 2055

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Feb 26, 2026
Property Address	127 SUMMER ST, THORNDIKE, MA 01079-7709
Document Number	0000242082
Instrument Date	Feb 19, 2026
Instrument	242082
Transaction Type	Transfer
Record Updated	Mar 18, 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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	166 MONTGOMERY RD, WESTFIELD, MA 01085-1065

Mortgage

Document Number	0000242083
Date	Feb 26, 2026
Instrument	242083

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Mar 1, 2036
Index	Other

Tax Assessment & Valuation

The 2025 property tax bill for 127 Summer St was $5,992, up 5.2% 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	$5,992.00 (+5.18%)	$327,800 (+9.16%) Land $93,800 Building $234,000	$406,220 (+0.9%)
2024	$5,697.00 (+0.78%)	$300,300 (+6.56%) Land $87,700 Building $212,600	$402,610
2023	$5,653.00	$281,800 Land $87,700 Building $194,100

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

Flood

FEMA maps place 127 Summer St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 127 Summer 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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