16 Cedar St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 16 Cedar St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,526 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$161,500 (Jul 2002)
Tax Bill	$6,005 (2025)
Deeds & Mortgages	Jun 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PALM M:67 B:42`

Property Details

APN / Parcel Number

Primary APN	`PALM M:67 B:42`
Alternative APN	`M:0067 L:000042`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area
Gross Area	3,588 sqft
1st Floor Area	1,180 sqft
Attic	Attic
Attic Area	988 sqft
Basement Area	988 sqft
Unfinished Basement	988 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
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

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	16 CEDAR ST
City	THREE RIVERS
State	MA
Zip	01080-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	42
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1017
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 Individual Names on File
Mailing Address	16 CEDAR ST, THREE RIVERS, MA 01080-1311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 26, 2002 · Amount on Record
Deed Sale	Jul 26, 2002 · Amount on Record
Prior Sale	Jul 8, 1987 · Amount on Record
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	16 CEDAR ST, THREE RIVERS, MA 01080-1311
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024595-355
Date	Jun 16, 2022
Book Page	24595/355
Instrument	36425

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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	$6,005.00 (+6.45%)	$329,400 (+10.13%) Land $52,700 Building $276,700	$360,525 (+0.4%)
2024	$5,641.00 (+2.19%)	$299,100 (+6.86%) Land $47,900 Building $251,200	$359,100
2023	$5,520.00	$279,900 Land $47,900 Building $232,000

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

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 USA.

Cell Coverage

5G and 4G LTE (outdoors only)

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