3 Birch St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 3 Birch St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,080 sqft · built 1951
Lot Size	0.523 acres (22,800 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (Jul 2023)
Tax Bill	$5,596 (2026)
Deeds & Mortgages	Feb 2023 Refinance Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 92`

Property Details

APN / Parcel Number

Primary APN	`MAP 92`
Alternative APN	`WILB M:850 B:3 L:203`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,764 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft
Unfinished Basement	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	22,800 sqft (0.523 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 92
Street Address	3 BIRCH ST
City	WILBRAHAM
State	MA
Zip	01095-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R26
Legal Block	3
Legal Lot Number	203
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	2
Census Block	2001
Census Tract	813601

Owner

3 Birch St is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Feb 28, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance STACY C ELMS
Jul 27, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE
Feb 3, 2023	Quit Claim Deed, Transfer · Stand-Alone Refinance POLISH NATIONAL CU
Sep 21, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance LUSO FCU
Jun 30, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 19, 2017	Personal Representative Deed, Transfer · ARM LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	Jul 19, 2017 · Amount on File
Deed Book / Page	25094 / 88
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024920-600
Date	Feb 28, 2023
Book Page	24920/600
Instrument	9002

Lender

Name	STACY C ELMS

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jul 27, 2023
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Document Number	0025094-88
Book / Page	25094 / 88
Instrument Date	Jul 27, 2023
Instrument	34583
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	57 MINECHOAG HTS, LUDLOW, MA 01056-1609

Mortgage

Document Number	0000034584
Date	Jul 27, 2023
Instrument	34584

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Feb 3, 2023
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Document Number	024899-144
Book / Page	24899 / 144
Instrument Date	Jan 30, 2023
Instrument	5599
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523

Mortgage

Document Number	0000005600
Date	Feb 3, 2023
Instrument	5600

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Sep 21, 2020
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Document Number	23430-402
Book / Page	23430 / 402
Instrument Date	Sep 16, 2020
Instrument	53263
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	BIRCH ST, WILBRAHAM, MA

Mortgage

Document Number	23430-405
Date	Sep 21, 2020
Book Page	23430/405
Instrument	53264

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	313 Months
Due	Oct 1, 2046

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jun 30, 2020
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Document Number	23286-482
Book / Page	023286 / 000482
Instrument Date	Jun 29, 2020
Instrument	34443
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BIRCH ST WILBRAHAM MA 010951523, WILBRAHAM, MA 01095-1523

July 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jul 19, 2017
Property Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523
Document Number	21771-292
Book / Page	21771 / 292
Instrument	40656
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 BIRCH ST, WILBRAHAM, MA 01095-1523

Mortgage

Document Number	217710296
Date	Jul 19, 2017
Instrument	21771/0296

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2047

Interest

Rate Type	Adjustable Rate
Rate	3%
Max Rate At Change	80.1%
Max Rate	2.5%

Tax Assessment & Valuation

The 2026 property tax bill for 3 Birch St was $5,596, up 2.5% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,596.00 (+2.45%)	$320,700 (+4.98%) Land $97,600 Building $223,100	$345,774 (-7.9%)
2025	$5,462.00 (-2.81%)	$305,500 (+0.56%) Land $97,600 Building $207,900	$375,440 (+6.32%)
2024	$5,620.00 (+7.77%)	$303,800 (+8.93%) Land $97,600 Building $206,200	$353,115
2023	$5,215.00	$278,900 Land $97,600 Building $181,300

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

Flood

FEMA maps place 3 Birch St 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	5 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 3 Birch St 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	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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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