Hampden County and Palmer Town City property record for 21 Ruggles St, Three Rivers, MA 01080
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,846 sqft · built 1910 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,696 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:78 B:141 |
| Primary APN | PALM M:78 B:141 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,846 sqft Living Area |
| Gross Area | 3,809 sqft |
| 1st Floor Area | 923 sqft |
| Attic | Attic |
| Attic Area | 546 sqft |
| Basement Area | 923 sqft |
| Unfinished Basement | 923 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 21 RUGGLES ST |
|---|---|
| City | THREE RIVERS |
| State | MA |
| Zip | 01080-1135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 141 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 810300 |
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 | 21 RUGGLES ST, THREE RIVERS, MA 01080-1135 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,696.00 (+6.92%) | $257,600 (+10.61%) Land $59,600 Building $198,000 | $323,190 (+11.36%) |
| 2024 | $4,392.00 (+2.69%) | $232,900 (+7.38%) Land $54,200 Building $178,700 | $290,225 |
| 2023 | $4,277.00 | $216,900 Land $54,200 Building $162,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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