Hampden County and Palmer Town City property record for 178 Ware St, Palmer, MA 01069
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,028 sqft · built 1936 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $308,000 (Aug 2022) |
| Tax Bill | $6,250 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:81 B:1 |
| Primary APN | PALM M:81 B:1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,028 sqft Living Area |
| Gross Area | 3,231 sqft |
| 1st Floor Area | 1,014 sqft |
| Basement Area | 1,014 sqft |
| Unfinished Basement | 507 sqft |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 178 WARE ST |
|---|---|
| City | PALMER |
| State | MA |
| Zip | 01069-1547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR |
| Legal Block | 1 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 810200 |
Source: Hampden County and Palmer Town City records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 178 WARE ST, PALMER, MA 01069-1547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 23, 2021 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Aug 30, 2022 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2022 · Amount on Record |
| Deed Sale | Aug 30, 2022 · Amount on Record |
| Prior Sale | Dec 2, 1998 · Amount on Record |
| Deed Book / Page | 24704 / 131 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 178 WARE ST, PALMER, MA 01069-1547 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 024262-599 |
|---|---|
| Date | Nov 23, 2021 |
| Book Page | 24262/599 |
| Instrument | 83380 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Aug 30, 2022 |
| Property Address | 178 WARE ST, PALMER, MA 01069-1547 |
| Document Number | 024704-131 |
| Book / Page | 24704 / 131 |
| Instrument Date | Aug 30, 2022 |
| Instrument | 52531 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 178 WARE ST, PALMER, MA 01069-1547 |
| Document Number | 0000052532 |
|---|---|
| Date | Aug 30, 2022 |
| Instrument | 52532 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
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 | $6,250.00 (+6.11%) | $341,900 (+10.11%) Land $54,500 Building $287,400 | $395,295 (+3.92%) |
| 2024 | $5,890.00 (+27.49%) | $310,500 (+34.82%) Land $49,600 Building $260,900 | $380,380 |
| 2023 | $4,620.00 | $230,300 Land $46,500 Building $183,800 |
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
| 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | THORNDIKE FIRE AND WATER DISTRICT serves 1,435 people · EPA ID MA1227001 |
|---|---|
| Water Source | Purchased groundwater from several systems |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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