Hampden County and Palmer Town City property record for 1320 Ware St, Palmer, MA 01069
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1988 |
| Lot Size | 0.82 acres (35,719 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (Apr 2017) |
| Tax Bill | $4,859 (2025) |
| Deeds & Mortgages | May 2023 Refinance May 2022 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:37 B:14 L:2 |
| Primary APN | PALM M:37 B:14 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| Gross Area | 2,112 sqft |
| 1st Floor Area | 960 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 35,719 sqft (0.82 acres) |
| Deck Area | Deck Area |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Street Address | 1320 WARE ST |
|---|---|
| City | PALMER |
| State | MA |
| Zip | 01069-9536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 14 |
| Legal Lot Number | 2 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 810100 |
Source: Hampden County and Palmer Town City records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1320 WARE ST, PALMER, MA 01069-9536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK |
| May 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Apr 28, 2017 | Warranty Deed, Transfer · FHA Mortgage VILLAGE MORTGAGE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2017 · Amount on Record |
| Deed Sale | Apr 28, 2017 · Amount on Record |
| Prior Sale | Apr 28, 1993 · Amount on Record |
| Deed Document Number | 201723347 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 1320 WARE ST, PALMER, MA 01069-9536 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2023 |
| Name | Verified Name |
|---|
| Document Number | 024994-517 |
|---|---|
| Date | May 5, 2023 |
| Book Page | 24994/517 |
| Instrument | 20353 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 1320 WARE ST, PALMER, MA 01069-9536 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024551-540 |
|---|---|
| Date | May 18, 2022 |
| Book Page | 24551/540 |
| Instrument | 30154 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Apr 28, 2017 |
| Property Address | 1320 WARE ST, PALMER, MA 01069-9536 |
| Document Number | 21660-402 |
| Book / Page | 21660 / 402 |
| Instrument | 23347 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $31.88 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 216600405 |
|---|---|
| Date | Apr 28, 2017 |
| Instrument | 21660/0405 |
| Name | VILLAGE MORTGAGE CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2047 |
Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,859.00 (+7.86%) | $265,800 (+10.15%) Land $64,200 Building $201,600 | $316,540 (+25.08%) |
| 2024 | $4,505.00 (+2.9%) | $241,300 (+7.15%) Land $58,200 Building $183,100 | $253,080 |
| 2023 | $4,378.00 | $225,200 Land $58,200 Building $167,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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