2216 Main St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 2216 Main St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,561 sqft · built 1900
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Sep 2003)
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jan 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:149`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:149`
Alternative APN	`M:0078 L:000149`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,561 sqft Living Area
Gross Area	3,542 sqft
1st Floor Area	1,260 sqft
Basement Area	1,470 sqft
Unfinished Basement	1,470 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2216 MAIN ST
City	THREE RIVERS
State	MA
Zip	01080-1155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	149
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1008
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City records, as of August 19, 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	2216 MAIN ST, THREE RIVERS, MA 01080-1155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY PO FEDERAL CREDIT UNION
Jan 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK
Jul 20, 2018	Deed of Trust, Mortgage · Closed-End Mortgage NORTH BROOKFIELD SAVINGSS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2003 · Amount on Record
Deed Sale	Sep 26, 2003 · Amount on Record
Deed Book / Page	13615 / 511
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Recording Date	Jul 27, 2026
Property Address	2216 MAIN ST, THREE RIVERS, MA 01080-1155
Document Number	0000034979
Book / Page	26433 / 148
Instrument Date	Jul 22, 2026
Instrument	202634979
Transaction Type	Mortgage
Record Updated	Aug 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2216 MAIN ST, THREE RIVERS, MA 01080-1155

Mortgage

Document Number	0000034979,
Date	Jul 27, 2026
Book Page	26433/148
Instrument	202634979

Lender

Name	PIONEER VALLEY PO FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2216 MAIN ST, THREE RIVERS, MA 01080-1155
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024376-323
Date	Jan 28, 2022
Book Page	24376/323
Instrument	5641

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	2216 MAIN ST, THREE RIVERS, MA 01080-1155
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22274-28
Date	Jul 20, 2018
Book Page	22274/28
Instrument	41872

Lender

Name	NORTH BROOKFIELD SAVINGSS BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2038

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	$4,373.00 (+8.14%)	$239,900 (+11.89%) Land $62,200 Building $177,700	$250,325 (-9.26%)
2024	$4,044.00 (+2.12%)	$214,400 (+6.77%) Land $56,500 Building $157,900	$275,880
2023	$3,960.00	$200,800 Land $56,500 Building $144,300

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
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 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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