3 Harness Dr, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 3 Harness Dr, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,368 sqft · built 1999
Lot Size	0.696 acres (30,305 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,200 (Oct 1998)
Tax Bill	$9,032 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`MAP 24`

Property Details

APN / Parcel Number

Primary APN	`MAP 24`
Alternative APN	`WILB M:4980 B:3 L:5863`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,368 sqft Living Area
Gross Area	4,424 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,305 sqft (0.696 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	MAP 24
Street Address	3 HARNESS DR
City	WILBRAHAM
State	MA
Zip	01095-1336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R34
Legal Subdivision	PRESERVE BELLOWS
Legal Block	3
Legal Lot Number	5863
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	5
Census Block	5016
Census Tract	813601

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	3 HARNESS DR, WILBRAHAM, MA 01095-1336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Oct 17, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 1998 · Amount on Record
Deed Sale	Oct 30, 1998 · Amount on Record
Deed Book / Page	10505 / 534
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	3 HARNESS DR, WILBRAHAM, MA 01095-1336
Transaction Type	Mortgage
Record Updated	Sep 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24069-308
Date	Aug 19, 2021
Book Page	24069/308
Instrument	58226

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	3 HARNESS DR, WILBRAHAM, MA 01095-1336
Document Number	21930-296
Book / Page	021930 / 000296
Instrument Date	Oct 17, 2017
Transaction Type	Mortgage
Record Updated	Nov 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21930-296
Date	Nov 3, 2017
Book Page	021930/000296
Instrument	65245

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$9,032.00 (+3.01%)	$517,600 (+5.55%) Land $102,100 Building $415,500	$528,205 (-16.74%)
2025	$8,768.00 (+0.61%)	$490,400 (+4.1%) Land $102,100 Building $388,300	$634,410 (+16.28%)
2024	$8,715.00 (+9.86%)	$471,100 (+11.06%) Land $102,100 Building $369,000	$545,585
2023	$7,933.00	$424,200 Land $102,100 Building $322,100

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	4 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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