20 Joan St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 20 Joan St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,024 sqft · built 1962
Lot Size	0.557 acres (24,255 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (Jun 2023)
Tax Bill	$7,181 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MAP 9`

Property Details

APN / Parcel Number

Primary APN	`MAP 9`
Alternative APN	`WILB M:6000 B:20 L:2389`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,024 sqft Living Area
Gross Area	3,764 sqft
1st Floor Area	1,160 sqft
Basement Area	936 sqft
Unfinished Basement	468 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	24,255 sqft (0.557 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	MAP 9
Street Address	20 JOAN ST
City	WILBRAHAM
State	MA
Zip	01095-2035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R26
Legal Block	20
Legal Lot Number	2389
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	5
Census Block	5022
Census Tract	813601

Owner

20 Joan St is owned and occupied by two individuals who bought it in June 2023.

Source: Hampden County and Wilbraham Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 JOAN ST, WILBRAHAM, MA 01095-2035
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
Apr 18, 2025	Deed of Trust, Mortgage GREATER SPRINGFIELD CREDIT UNION
Jun 9, 2023	Fiduciary Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2023 · Amount on File
Deed Sale	Jun 9, 2023 · Amount on File
Deed Document Number	20233933
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	20 JOAN ST, WILBRAHAM, MA 01095-2035
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000239472
Date	Apr 18, 2025
Instrument	239472

Lender

Name	GREATER SPRINGFIELD CREDIT UNION

Agreement

Amount	Amount on Record
Term	181 Months
Due	May 1, 2040

June 2023: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jun 9, 2023
Property Address	20 JOAN ST, WILBRAHAM, MA 01095-2035
Document Number	0000233933
Instrument Date	Jun 9, 2023
Instrument	233933
Transaction Type	Transfer
Record Updated	Jun 23, 2023

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
Relationship	Joint Tenants
Address	20 JOAN ST, WILBRAHAM, MA 01095-2035

Mortgage

Document Number	0000233934
Date	Jun 9, 2023
Instrument	233934

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 20 Joan St was $7,181, up 7% from the year before.

Source: Hampden County and Wilbraham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wilbraham Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,181.00 (+6.96%)	$411,500 (+9.59%) Land $88,500 Building $323,000	$450,735 (-3.37%)
2025	$6,714.00 (-2.72%)	$375,500 (+0.64%) Land $88,500 Building $287,000	$466,450 (+5.14%)
2024	$6,902.00 (+6.51%)	$373,100 (+7.68%) Land $88,500 Building $284,600	$443,650
2023	$6,480.00	$346,500 Land $88,500 Building $258,000

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

Flood

FEMA maps place 20 Joan 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	4 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 20 Joan St is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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