18 North St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 18 North St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,709 sqft · built 1890
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2020)
Tax Bill	$5,303 (2025)
Deeds & Mortgages	Aug 2021 Refinance Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:77 B:60`

Property Details

APN / Parcel Number

Primary APN	`PALM M:77 B:60`
Alternative APN	`M:0077 L:000060`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,709 sqft Living Area
Gross Area	3,327 sqft
1st Floor Area	1,196 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	18 NORTH ST
City	THREE RIVERS
State	MA
Zip	01080-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	60
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2012
Census Tract	810300

Owner

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	Individual Name on Record
Mailing Address	18 NORTH ST, THREE RIVERS, MA 01080-1025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Aug 20, 2020	Warranty Deed, Transfer · Conventional with PMI HARBORONE MTG LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on Record
Deed Sale	Aug 20, 2020 · Amount on Record
Deed Document Number	2020222959
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	18 NORTH ST, THREE RIVERS, MA 01080-1025
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	227205
Date	Aug 3, 2021
Instrument	227205

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Aug 20, 2020
Property Address	18 NORTH ST, THREE RIVERS, MA 01080-1025
Document Number	0000222959
Instrument Date	Aug 20, 2020
Instrument	222959
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$977.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 N ST PALMER MA 01080, PALMER, MA 01080

Mortgage

Document Number	222960
Date	Aug 20, 2020
Instrument	222960

Lender

Name	HARBORONE MTG LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

Mortgage

Document Number	222961,
Date	Aug 20, 2020
Instrument	222961

Lender

Name	HARBORONE MTG LLC

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 19, 2035

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	$5,303.00 (+17.01%)	$290,900 (+21.06%) Land $58,600 Building $232,300	$327,560 (+5.7%)
2024	$4,532.00 (+2.95%)	$240,300 (+7.66%) Land $53,300 Building $187,000	$309,890
2023	$4,402.00	$223,200 Land $53,300 Building $169,900

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 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.

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 236 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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