19 Chudy St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 19 Chudy St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,053 sqft · built 1940
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Jun 2005)
Tax Bill	$3,648 (2025)
Deeds & Mortgages	Jan 2022 Refinance Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:70 B:44`

Property Details

APN / Parcel Number

Primary APN	`PALM M:70 B:44`
Alternative APN	`M:0070 L:000044`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,053 sqft Living Area
Gross Area	2,394 sqft
1st Floor Area	780 sqft
Attic	Attic
Attic Area	780 sqft
Basement Area	780 sqft
Unfinished Basement	470 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	19 CHUDY ST
City	THREE RIVERS
State	MA
Zip	01080-1013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	44
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2011
Census Tract	810300

Owner

19 Chudy St is owned and occupied by an individual who bought it in June 2005.

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

Owner of Record	Individual Name on File
Mailing Address	19 CHUDY ST, THREE RIVERS, MA 01080-1013
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 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Jun 26, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Sep 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2005 · Amount on File
Deed Sale	Jun 15, 2005 · Amount on File
Prior Sale	May 14, 2004 · Amount on File
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	19 CHUDY ST, THREE RIVERS, MA 01080-1013
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024338-327
Date	Jan 3, 2022
Book Page	24338/327
Instrument	138

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2032

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	19 CHUDY ST, THREE RIVERS, MA 01080-1013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23281-1
Date	Jun 26, 2020
Book Page	23281/1
Instrument	33710

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	145 Months
Due	Jul 1, 2032

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	19 CHUDY ST, THREE RIVERS, MA 01080-1013
Document Number	22877-458
Instrument Date	Sep 21, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 CHUDY ST THREE RIVERS MA 010801013, THREE RIVERS, MA 01080-1013

Mortgage

Document Number	22877-458
Date	Sep 30, 2019
Book Page	022877/000458
Instrument	56306

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 29, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 19 Chudy St was $3,648, up 8.1% 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	$3,648.00 (+8.06%)	$200,100 (+11.79%) Land $63,300 Building $136,800	$332,215 (+8.07%)
2024	$3,376.00 (+1.41%)	$179,000 (+6.04%) Land $57,500 Building $121,500	$307,420
2023	$3,329.00	$168,800 Land $57,500 Building $111,300

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

Flood

FEMA maps place 19 Chudy 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	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

Wildfire risk around 19 Chudy 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.

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 (outdoors only) and 4G LTE

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