242 State Ave, Palmer, MA 01069 Property Records

Hampden County and Monson Town property record for 242 State Ave, Palmer, MA 01069

Property Summary

Property Type	Duplex
Details	6 bd · 2.5 ba · 3,026 sqft · built 1921
Lot Size	0.888 acres (38,700 sqft)
Owner	2 Individual Names on File
Last Sale	$206,000 (Aug 2018)
Tax Bill	$4,333 (2026)
Deeds & Mortgages	Jul 2020 Refinance Aug 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MONS M:087 B:017`

Property Details

APN / Parcel Number

Primary APN	`MONS M:087 B:017`
Alternative APN	`M:0087 P:0017`

Interior

Bedrooms	6 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,026 sqft Living Area
Gross Area	4,510 sqft
1st Floor Area	1,666 sqft
Basement Area	1,330 sqft
Unfinished Basement	1,330 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,700 sqft (0.888 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	242 STATE AVE
City	PALMER
State	MA
Zip	01069-1872
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RV
Legal Block	17
Jurisdiction	MONSON MA
Township / Civil Division	MONSON
Census Block Group	3
Census Block	3002
Census Tract	813702

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	242 STATE AVE, PALMER, MA 01069-1872
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE
Aug 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE
Aug 31, 2018	Quit Claim Deed, Transfer WINTRUST MTG CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2018 · Amount on File
Deed Sale	Aug 31, 2018 · Amount on File
Prior Sale	Aug 25, 2009 · Amount on File
Deed Book / Page	22341 / 424
Transfer Doc	022341-424
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONSON MA
Property Address	242 STATE AVE, PALMER, MA 01069-1872
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23311-246
Date	Jul 15, 2020
Book Page	23311/246
Instrument	37846

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONSON MA
Property Address	242 STATE AVE, PALMER, MA 01069-1872
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22811-48
Date	Aug 20, 2019
Book Page	22811/48
Instrument	46845

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONSON MA
Recording Date	Aug 31, 2018
Property Address	242 STATE AVE, PALMER, MA 01069-1872
Document Number	22341-424
Book / Page	22341 / 424
Instrument	52581
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.65
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	223410426
Date	Aug 31, 2018
Instrument	22341/0426

Lender

Name	WINTRUST MTG CORP

Agreement

Amount	Amount on Record
Term	361 Months
Due	Aug 31, 2048

Tax Assessment & Valuation

Source: Hampden County and Monson Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Monson Town
Unified School District	Monson School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,333.00 (+2.41%)	$303,000 (+6.5%) Land $67,200 Building $235,800	$339,126
2025	$4,231.00 (+6.55%)	$284,500 (+13.62%) Land $62,800 Building $221,700
2023	$3,971.00	$250,400 Land $62,800 Building $187,600

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	2 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	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	MONSON WATER AND SEWER DEPT serves 4,222 people · EPA ID MA1191000
Water Source	Groundwater
Last State Inspection	May 2023
Lead	6 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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