2194 Main St, #2196, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 2194 Main St, #2196, Three Rivers, MA 01080

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,751 sqft · built 1900
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Aug 2022)
Tax Bill	$3,919 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:15`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:15`
Alternative APN	`M:0078 L:000015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	1,751 sqft Living Area
Gross Area	3,970 sqft
1st Floor Area	950 sqft
Attic	Attic
Attic Area	830 sqft
Basement Area	830 sqft
Unfinished Basement	830 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	2194 MAIN ST, 2196
City	THREE RIVERS
State	MA
Zip	01080-1119
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NB
Legal Block	15
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1006
Census Tract	810300

Owner

2194 Main St, #2196 is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	2194 MAIN ST, 2196, THREE RIVERS, MA 01080-1119
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 5, 2022 · Amount on File
Deed Sale	Aug 5, 2022 · Amount on File
Prior Sale	Jul 26, 2007 · Amount on File
Deed Book / Page	24670 / 558
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Aug 5, 2022
Property Address	2194 MAIN ST # 2196, 2196, THREE RIVERS, MA 01080-1119
Document Number	024670-558
Book / Page	24670 / 558
Instrument Date	Aug 5, 2022
Instrument	47609
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Address	2194-2196 MAIN ST, PALMER, MA 01069

Mortgage

Document Number	0000047610
Date	Aug 5, 2022
Instrument	47610

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	024670-580
Date	Aug 5, 2022
Book Page	24670/580
Instrument	47611

Lender

Name	ST MARYS CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 2194 Main St, #2196 was $3,919, down 12.1% from the year before.

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	$3,919.00 (-12.13%)	$215,000 (-9.09%) Land $61,200 Building $153,800	$286,896
2024	$4,460.00 (+4.43%)	$236,500 (+9.19%) Land $55,600 Building $180,900
2023	$4,271.00	$216,600 Land $55,600 Building $161,000

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

Flood

FEMA maps place 2194 Main St, #2196 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	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

Wildfire risk around 2194 Main St, #2196 is low, with 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 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.

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 187 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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