2028 Central St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 2028 Central St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1975
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$168,000 (Jun 2019)
Tax Bill	$4,716 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:54`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:54`
Alternative APN	`M:0071 L:000054`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,120 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2028 CENTRAL ST
City	THREE RIVERS
State	MA
Zip	01080-1343
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	54
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1014
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City records, as of July 20, 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 Record
Mailing Address	2028 CENTRAL ST, THREE RIVERS, MA 01080-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Jun 13, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNIBANK FOR SAVINGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2019 · Amount on Record
Deed Sale	Jun 13, 2019 · Amount on Record
Deed Document Number	201931390
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2028 CENTRAL ST, THREE RIVERS, MA 01080-1343
Transaction Type	Mortgage
Record Updated	Jan 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024846-407
Date	Dec 19, 2022
Book Page	24846/407
Instrument	73970

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Jun 13, 2019
Property Address	2028 CENTRAL ST, THREE RIVERS, MA 01080-1343
Document Number	22706-577
Book / Page	22706 / 577
Instrument Date	Jun 11, 2019
Instrument	31390
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	2028 CENTRAL ST, PALMER, MA

Mortgage

Document Number	31391
Date	Jun 13, 2019
Instrument	31391

Lender

Name	UNIBANK FOR SAVINGS
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,716.00 (+6.46%)	$258,700 (+10.13%) Land $52,700 Building $206,000	$298,110 (+0.16%)
2024	$4,430.00 (+1.79%)	$234,900 (+6.43%) Land $47,900 Building $187,000	$297,635
2023	$4,352.00	$220,700 Land $47,900 Building $172,800

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

Flood

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
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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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