15 Cheney St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 15 Cheney St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,037 sqft · built 1955
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individuals on Record
Last Sale	$89,250 (Nov 2011)
Tax Bill	$3,436 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:34`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:34`
Alternative APN	`M:0071 L:000034`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,037 sqft Living Area
Gross Area	2,395 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	15 CHENEY ST
City	THREE RIVERS
State	MA
Zip	01080-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	34
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1014
Census Tract	810300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	15 CHENEY ST, THREE RIVERS, MA 01080-1333
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Apr 18, 2023	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
May 13, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2011 · Amount on Record
Deed Sale	Nov 10, 2011 · Amount on Record
Last Transfer Date	May 13, 2022
Transfer Doc	024546-283
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	15 CHENEY ST, THREE RIVERS, MA 01080-1333
Transaction Type	Mortgage
Record Updated	Nov 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025193-188
Date	Oct 18, 2023
Book Page	25193/188
Instrument	49246

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	15 CHENEY ST, THREE RIVERS, MA 01080-1333
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024973-336
Date	Apr 18, 2023
Book Page	24973/336
Instrument	17171

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	May 13, 2022
Property Address	15 CHENEY ST, THREE RIVERS, MA 01080-1333
Document Number	024546-283
Book / Page	24546 / 283
Instrument Date	May 13, 2022
Instrument	29357
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	15 CHENEY ST, PTHREE RIVERS, MA

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	$3,436.00 (+6.48%)	$188,500 (+10.17%) Land $52,700 Building $135,800	$273,600 (+6%)
2024	$3,227.00 (-6.38%)	$171,100 (-2.12%) Land $47,900 Building $123,200	$258,115
2023	$3,447.00	$174,800 Land $47,900 Building $126,900

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	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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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	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 141 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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