1850 Ware St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 1850 Ware St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,524 sqft · built 1987
Lot Size	0.7 acres (30,492 sqft)
Owner	Individual Name on File
Last Sale	$224,000 (Jun 2019)
Tax Bill	$6,294 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:47 B:8`

Property Details

APN / Parcel Number

Primary APN	`PALM M:47 B:8`
Alternative APN	`M:0047 L:000008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	3,640 sqft
1st Floor Area	1,524 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,492 sqft (0.7 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Street Address	1850 WARE ST
City	PALMER
State	MA
Zip	01069-9673
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	8
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1009
Census Tract	810100

Owner

1850 Ware St is owned and occupied by an individual who bought it in June 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1850 WARE ST, PALMER, MA 01069-9673
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 15, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE PROS INC
Sep 18, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 9, 2017	Deed of Trust, Mortgage WESTFIELD BANK
Apr 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 12, 2019	Quit Claim Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2019 · Amount on File
Deed Sale	Jun 12, 2019 · Amount on File
Prior Sale	May 21, 2012 · Amount on File
Deed Document Number	201931095
Deed Book / Page	22705 / 368
Prior Transfer Date	Apr 29, 2019
Prior Transfer Doc	22705-368
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026187-81
Date	Jan 15, 2026
Book Page	26187/81
Instrument	1854

Lender

Name	MORTGAGE PROS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Feb 1, 2055

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Transaction Type	Mortgage
Record Updated	Oct 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025157-496
Date	Sep 18, 2023
Book Page	25157/496
Instrument	43925

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023728-591
Date	Feb 26, 2021
Book Page	23728/591
Instrument	13040

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	Mar 1, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21803-533
Date	Aug 9, 2017
Book Page	21803/533
Instrument	45684

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2027

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23155-90
Date	Apr 3, 2020
Book Page	23155/90
Instrument	17416

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	May 1, 2049

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Jun 12, 2019
Property Address	1850 WARE ST, PALMER, MA 01069-9673
Document Number	22705-368
Book / Page	22705 / 368
Instrument Date	Apr 29, 2019
Instrument	31095
Transaction Type	Transfer
Record Updated	May 11, 2021

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 PARKHURST ST, MILFORD, MA 01757-3537

Mortgage

Document Number	31096
Date	Jun 12, 2019
Instrument	31096

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 1850 Ware St was $6,294, up 7.9% 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	$6,294.00 (+7.9%)	$344,300 (+10.21%) Land $61,800 Building $282,500	$379,620 (+7.97%)
2024	$5,833.00 (+3.57%)	$312,400 (+7.84%) Land $56,000 Building $256,400	$351,595
2023	$5,632.00	$289,700 Land $56,000 Building $233,700

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

Flood

FEMA maps place 1850 Ware St in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 1850 Ware St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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