2038 Central St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 2038 Central St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,114 sqft · built 1955
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,100 (Mar 2019)
Tax Bill	$5,644 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:55`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:55`
Alternative APN	`M:0071 L:000055`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,114 sqft Living Area
Gross Area	2,475 sqft
1st Floor Area	825 sqft
Attic	Attic
Attic Area	825 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	2038 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	55
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	2 Individual Names on Record
Mailing Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Feb 13, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 28, 2020	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Jul 31, 2019	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS
Nov 29, 2018	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2019 · Amount on Record
Deed Sale	Mar 11, 2019 · Amount on Record
Prior Sale	Nov 29, 2018 · Amount on Record
Deed Document Number	201912015
Deed Book / Page	22581 / 509
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Recording Date	May 19, 2026
Property Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Document Number	026337-113
Book / Page	26337 / 113
Instrument Date	Apr 30, 2026
Instrument	202622202
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343

Mortgage

Document Number	0000022202,
Date	May 19, 2026
Book Page	26337/113
Instrument	202622202

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount Recorded
Term	289 Months
Due	Jun 1, 2050

Interest

Rate	6.46%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025318-275
Date	Feb 13, 2024
Book Page	25318/275
Instrument	6138

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Mar 1, 2030

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023231-271
Date	May 28, 2020
Book Page	23231/271
Instrument	26963

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Document Number	22784-538
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2038 CENTRAL ST THREE RIVERS MA 010801343, THREE RIVERS, MA 01080-1343

Mortgage

Document Number	22784-538
Date	Jul 31, 2019
Book Page	022784/000538
Instrument	42841

Lender

Name	BROKER SOLUTIONS

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

November 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	PALMER MA
Recording Date	Nov 29, 2018
Property Address	2038 CENTRAL ST, THREE RIVERS, MA 01080-1343
Document Number	22462-370
Book / Page	022462 / 000370
Instrument Date	Oct 23, 2018
Instrument	70989
Transaction Type	Foreclosure
Record Updated	Dec 18, 2018
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$648.21
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1050 WOODWARD AVE DETROIT MI 482261906, DETROIT, MI 48226-1906

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	$5,644.00 (+6.45%)	$309,600 (+10.14%) Land $52,700 Building $256,900	$301,720 (+4.03%)
2024	$5,302.00 (+3.25%)	$281,100 (+7.95%) Land $47,900 Building $233,200	$290,035
2023	$5,135.00	$260,400 Land $47,900 Building $212,500

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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