Hampden County and Palmer Town City property record for 19 Cedar St, Three Rivers, MA 01080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 988 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,000 (Jun 2021) |
| Tax Bill | $5,197 (2025) |
| Deeds & Mortgages | Jan 2022 Refinance Dec 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:67 B:45 |
| Primary APN | PALM M:67 B:45 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,134 sqft |
| 1st Floor Area | 988 sqft |
| Basement Area | 954 sqft |
| Unfinished Basement | 100 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Deck Area | Deck Area |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Street Address | 19 CEDAR ST |
|---|---|
| City | THREE RIVERS |
| State | MA |
| Zip | 01080-1336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 45 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 810300 |
Source: Hampden County and Palmer Town City records · APN PALM M:67 B:45
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 72 AUDUBON ST, SPRINGFIELD, MA 01108-3202 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Jan 03, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance DOMINIC KIRCHNER 2 T |
| Dec 08, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) INLAND BANK & TRUST |
| Dec 08, 2021 | Deed of Trust, Mortgage · FHA Mortgage INLAND BANK & TRUST |
| Jun 09, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage PACIFIC PREMIER TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 09, 2021 · Amount on Record |
| Deed Sale | Jun 09, 2021 · Amount on Record |
| Prior Sale | Dec 01, 2004 · Amount on Record |
| Deed Document Number | 202139416 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 19 CEDAR ST, THREE RIVERS, MA 01080-1336 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00024338-1 |
|---|---|
| Date | Jan 03, 2022 |
| Book Page | 24338/1 |
| Instrument | 52 |
| Name | DOMINIC KIRCHNER 2 T |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 19 CEDAR ST, THREE RIVERS, MA 01080-1336 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024290-518 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 24290/518 |
| Instrument | 87195 |
| Name | INLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 19 CEDAR ST, THREE RIVERS, MA 01080-1336 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024290-505 |
|---|---|
| Date | Dec 08, 2021 |
| Book Page | 24290/505 |
| Instrument | 87194 |
| Name | INLAND BANK & TRUST |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Jun 09, 2021 |
| Property Address | 19 CEDAR ST, THREE RIVERS, MA 01080-1336 |
| Document Number | 023929-523 |
| Book / Page | 23929 / 523 |
| Instrument Date | Jun 09, 2021 |
| Instrument | 39416 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 444A N MAIN ST # 234, 234, EAST LONGMEADOW, MA 01028-1812 |
| Document Number | 0000039417 |
|---|---|
| Date | Jun 09, 2021 |
| Instrument | 39417 |
| Name | PACIFIC PREMIER TRUST |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hampden County and Palmer Town City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,197.00 (+6.34%) | $285,100 (+10.03%) Land $52,700 Building $232,400 | $275,690 (+4.65%) |
| 2024 | $4,887.00 (+3.52%) | $259,100 (+8.23%) Land $47,900 Building $211,200 | $263,435 |
| 2023 | $4,721.00 | $239,400 Land $47,900 Building $191,500 |
Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile USA.
Based on FCC filings for 141 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | THREE RIVERS FIRE DISTRICT serves 3,258 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 3 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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