3 Silvia St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 3 Silvia St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 984 sqft · built 1957
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Feb 2026)
Tax Bill	$5,163 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:69 B:16`

Property Details

APN / Parcel Number

Primary APN	`PALM M:69 B:16`
Alternative APN	`M:0069 L:000016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	984 sqft Living Area
Gross Area	2,138 sqft
1st Floor Area	984 sqft
Basement Area	984 sqft
Unfinished Basement	528 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	3 SILVIA ST
City	THREE RIVERS
State	MA
Zip	01080-1036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	16
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2003
Census Tract	810300

Owner

3 Silvia St is owned by an individual who bought it in February 2026.

Source: Hampden County and Palmer Town City records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3 SYLVIA ST, PALMER, MA 01069
Owner Type	Individual
Vesting	Individual(s)

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 6, 2026	Quit Claim Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 27, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2026 · Amount on File
Deed Sale	Feb 6, 2026 · Amount on File
Prior Sale	Oct 27, 2021 · Amount on File
Deed Book / Page	26212 / 314
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Feb 6, 2026
Property Address	3 SILVIA ST, THREE RIVERS, MA 01080-1036
Document Number	026212-314
Book / Page	26212 / 314
Instrument Date	Feb 6, 2026
Instrument	5518
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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
Address	3 SYLVIA ST, PALMER, MA 01069

Mortgage

Document Number	0000005519
Date	Feb 6, 2026
Instrument	5519

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Oct 27, 2021
Property Address	3 SILVIA ST, THREE RIVERS, MA 01080-1036
Document Number	24206-175
Book / Page	24206 / 175
Instrument Date	Oct 26, 2021
Instrument	76021
Transaction Type	Transfer
Record Updated	Nov 12, 2021

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	16 GAY ST APT 2, 2, PALMER, MA 01069-9643

Mortgage

Document Number	76022
Date	Oct 27, 2021
Instrument	76022

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	024206-194
Date	Oct 27, 2021
Book Page	24206/194
Instrument	76023

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 3 Silvia St was $5,163, up 6.4% from the year before.

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	$5,163.00 (+6.43%)	$283,200 (+10.11%) Land $63,500 Building $219,700	$317,680 (+0.81%)
2024	$4,851.00 (+2.58%)	$257,200 (+7.26%) Land $57,700 Building $199,500	$315,115
2023	$4,729.00	$239,800 Land $57,700 Building $182,100

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

Flood

FEMA maps place 3 Silvia 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	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

Wildfire risk around 3 Silvia 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	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	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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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