16 Memory Ln, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 16 Memory Ln, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,048 sqft · built 1996
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jul 2022)
Tax Bill	$6,431 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:19 B:14 L:8`

Property Details

APN / Parcel Number

Primary APN	`PALM M:19 B:14 L:8`
Alternative APN	`M:0019 L:000014 U:0008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,048 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,184 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	16 MEMORY LN
City	PALMER
State	MA
Zip	01069-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	14
Legal Lot Number	8
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2022
Census Tract	810200

Owner

16 Memory Ln is owned and occupied by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	16 MEMORY LN, PALMER, MA 01069-2305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 22, 2022	Deed, Transfer · Stand-Alone First Mortgage PRESTIGE HOME MORTGAGE LLC
Mar 31, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	May 15, 2015 · Amount on File
Deed Document Number	202244775
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	PALMER MA
Recording Date	Jul 22, 2022
Property Address	16 MEMORY LN, PALMER, MA 01069-2305
Document Number	0024652-18
Book / Page	24652 / 18
Instrument Date	Jul 22, 2022
Instrument	44775
Transaction Type	Transfer
Record Updated	Aug 5, 2022

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	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	295 TURNPIKE RD APT 107, 107, WESTBOROUGH, MA 01581-2818

Mortgage

Document Number	0000044776
Date	Jul 22, 2022
Instrument	44776

Lender

Name	PRESTIGE HOME MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	16 MEMORY LN, PALMER, MA 01069-2305
Transaction Type	Mortgage
Record Updated	Apr 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024476-190
Date	Mar 31, 2022
Book Page	24476/190
Instrument	19461

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 16 Memory Ln was $6,431, up 6.9% 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	$6,431.00 (+6.92%)	$354,300 (+9.96%) Land $64,600 Building $289,700	$428,735 (+14.43%)
2024	$6,015.00 (+2.8%)	$322,200 (+7.04%) Land $58,700 Building $263,500	$374,680
2023	$5,851.00	$301,000 Land $58,700 Building $242,300

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

Flood

FEMA maps place 16 Memory Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 16 Memory Ln 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PALMER WATER DISTRICT NO.1 serves 4,789 people · EPA ID MA1227000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Jan 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Memory Ln

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