Hampden County and Palmer Town City property record for 2009 Central St, Three Rivers, MA 01080
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,788 sqft · built 1953 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,359 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Jan 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:67 B:38 |
| Primary APN | PALM M:67 B:38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,788 sqft Living Area |
| Gross Area | 3,888 sqft |
| 1st Floor Area | 1,368 sqft |
| Attic | Attic |
| Attic Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Unfinished Basement | 1,200 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 2009 CENTRAL ST |
|---|---|
| City | THREE RIVERS |
| State | MA |
| Zip | 01080-1344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 38 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 810300 |
Source: Hampden County and Palmer Town City records · APN PALM M:67 B:38
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 | 2009 CENTRAL ST, THREE RIVERS, MA 01080-1344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 18, 2022 | Deed of Trust, Mortgage · ARM FREEDOM CU |
| Jan 28, 2019 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 25, 2019 |
| Transfer Doc | 22537-365 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 2009 CENTRAL ST, THREE RIVERS, MA 01080-1344 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024769-514 |
|---|---|
| Date | Oct 18, 2022 |
| Book Page | 24769/514 |
| Instrument | 62051 |
| Name | FREEDOM CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.88% |
| Type Change Date | Nov 01, 2029 |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Jan 28, 2019 |
| Property Address | 2009 CENTRAL ST, THREE RIVERS, MA 01080-1344 |
| Document Number | 22537-365 |
| Book / Page | 022537 / 000365 |
| Instrument Date | Jan 25, 2019 |
| Instrument | 5025 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2009 CENTRAL ST THREE RIVERS MA 010801344, THREE RIVERS, MA 01080-1344 |
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 | $4,359.00 (+6.55%) | $239,100 (+10.24%) Land $53,300 Building $185,800 | $381,900 (-3.85%) |
| 2024 | $4,091.00 (+2.81%) | $216,900 (+7.48%) Land $48,400 Building $168,500 | $397,195 |
| 2023 | $3,979.00 | $201,800 Land $48,400 Building $153,400 |
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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 and 4G LTE (outdoors only)
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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