13 Bourne St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 13 Bourne St, Three Rivers, MA 01080

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,804 sqft · built 1910
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Dec 2022)
Tax Bill	$5,531 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:95`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:95`
Alternative APN	`M:0071 L:000095`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	1,804 sqft Living Area
Gross Area	3,925 sqft
1st Floor Area	914 sqft
Attic	Attic
Attic Area	870 sqft
Basement Area	914 sqft
Unfinished Basement	464 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	13 BOURNE ST
City	THREE RIVERS
State	MA
Zip	01080
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	VC2
Legal Block	95
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1018
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City 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	103 HOWARD ST, LUDLOW, MA 01056-2429
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Quit Claim Deed, Transfer · FHA Mortgage NORCOM MORTGAGE
Dec 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTH MAIN REALTY LLC
Oct 18, 2021	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2022 · Amount on Record
Deed Sale	Dec 30, 2022 · Amount on Record
Prior Sale	Dec 14, 2021 · Amount on Record
Deed Book / Page	24863 / 2
Record Updated	Oct 29, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Dec 30, 2022
Property Address	13 BOURNE ST, THREE RIVERS, MA 01080-1305
Document Number	00024863-2
Book / Page	24863 / 2
Instrument Date	Dec 30, 2022
Instrument	76210
Transaction Type	Transfer
Record Updated	Sep 18, 2023

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	103 HOWARD ST, LUDLOW, MA 01056-2429

Mortgage

Document Number	0000076211
Date	Dec 30, 2022
Instrument	76211

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Dec 14, 2021
Property Address	13 BOURNE ST, THREE RIVERS, MA 01080
Document Number	024302-297
Book / Page	24302 / 297
Instrument Date	Nov 17, 2021
Instrument	88874
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
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	444A N MAIN ST # 234, EAST LONGMEADOW, MA 01028-1845

Mortgage

Document Number	0000089968
Date	Dec 14, 2021
Instrument	89968

Lender

Name	NORTH MAIN REALTY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	024307-442
Date	Dec 16, 2021
Book Page	24307/442
Instrument	89968

Lender

Name	NORTH MAIN REALTY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	PALMER MA
Recording Date	Oct 18, 2021
Property Address	13 BOURNE ST, THREE RIVERS, MA 01080-1305
Document Number	024188-554
Book / Page	24188 / 554
Instrument Date	Aug 5, 2021
Instrument	73617
Transaction Type	Foreclosure
Record Updated	Sep 18, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD, FORT MILL, SC 29715-7203

Tax Assessment & Valuation

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	$5,531.00 (+6.8%)	$303,400 (+10.49%) Land $60,200 Building $243,200	$319,247
2024	$5,179.00 (+48.06%)	$274,600 (+54.79%) Land $54,700 Building $219,900
2023	$3,498.00	$177,400 Land $54,700 Building $122,700

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
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

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	THREE RIVERS FIRE DISTRICT serves 3,258 people · EPA ID MA1227003
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 236 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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