28 Cedar St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 28 Cedar St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,712 sqft · built 1945
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Aug 2021)
Tax Bill	$5,538 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:58`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:58`
Alternative APN	`M:0071 L:000058`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,712 sqft Living Area
Gross Area	3,969 sqft
1st Floor Area	1,340 sqft
Attic	Attic
Attic Area	1,064 sqft
Basement Area	1,340 sqft
Unfinished Basement	1,340 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	28 CEDAR ST
City	THREE RIVERS
State	MA
Zip	01080-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	58
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1017
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City assessment roll, as of April 14, 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 File
Mailing Address	28 CEDAR ST, THREE RIVERS, MA 01080-1311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2021 · Amount on Record
Deed Sale	Aug 13, 2021 · Amount on Record
Deed Document Number	202156972
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Aug 13, 2021
Property Address	28 CEDAR ST, THREE RIVERS, MA 01080-1311
Document Number	24061-218
Book / Page	24061 / 218
Instrument Date	Aug 13, 2021
Instrument	56972
Transaction Type	Transfer
Record Updated	Aug 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	28 CEDAR ST, THREE RIVERS, MA 01080-1311

Mortgage

Document Number	56973
Date	Aug 13, 2021
Instrument	56973

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,538.00 (+7.24%)	$303,800 (+10.96%) Land $57,600 Building $246,200	$390,165 (+0.44%)
2024	$5,164.00 (+2.14%)	$273,800 (+6.79%) Land $52,400 Building $221,400	$388,455
2023	$5,056.00	$256,400 Land $52,400 Building $204,000

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

Nearby Properties on Cedar St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures