3 Christopher Cir, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 3 Christopher Cir, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,560 sqft · built 1986
Lot Size	0.896 acres (39,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$652,500 (Sep 2025)
Tax Bill	$10,613 (2026)
Deeds & Mortgages	Aug 2022 Refinance Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MAP 68`

Property Details

APN / Parcel Number

Primary APN	`MAP 68`
Alternative APN	`WILB M:2580 B:3 L:1220`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	4,944 sqft
1st Floor Area	1,480 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,018 sqft (0.896 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	MAP 68
Street Address	3 CHRISTOPHER CIR
City	WILBRAHAM
State	MA
Zip	01095-2770
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R34
Legal Block	3
Legal Lot Number	1220
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	3
Census Block	3010
Census Tract	813602

Owner

Source: Hampden County and Wilbraham Town records, as of October 20, 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	18 SOUTH RD, STURBRIDGE, MA 01566-1403
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK
Sep 25, 2025	Warranty Deed, Transfer · Conventional Mortgage MILESTONE MORTGAGE SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on Record
Deed Sale	Sep 25, 2025 · Amount on Record
Prior Sale	Mar 30, 1987 · Amount on Record
Deed Document Number	202545326
Deed Book / Page	26041 / 85
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	3 CHRISTOPHER CIR, WILBRAHAM, MA 01095-2770
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024662-485
Date	Aug 1, 2022
Book Page	24662/485
Instrument	46383

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2047

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Sep 25, 2025
Property Address	3 CHRISTOPHER CIR, WILBRAHAM, MA 01095-2770
Document Number	0026041-85
Book / Page	26041 / 85
Instrument Date	Sep 25, 2025
Instrument	45326
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	18 SOUTH RD, STURBRIDGE, MA 01566-1403

Mortgage

Document Number	0000045327
Date	Sep 25, 2025
Instrument	45327

Lender

Name	MILESTONE MORTGAGE SOLUTIONS

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Tax Assessment & Valuation

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	$10,613.00 (+13.75%)	$608,200 (+16.56%) Land $118,200 Building $490,000	$636,524 (-1.48%)
2025	$9,330.00 (+1.41%)	$521,800 (+4.93%) Land $118,200 Building $403,600	$646,095 (-2.59%)
2024	$9,200.00 (+6.68%)	$497,300 (+7.83%) Land $118,200 Building $379,100	$663,290
2023	$8,624.00	$461,200 Land $118,200 Building $343,000

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	4 in force
Nearby Flood Claims	4 (1978–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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