313 River St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 313 River St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 636 sqft · built 1954
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (May 2022)
Tax Bill	$2,791 (2025)
Deeds & Mortgages	Jan 2025 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:30 B:75`

Property Details

APN / Parcel Number

Primary APN	`PALM M:30 B:75`
Alternative APN	`M:0030 L:000075`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	636 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	636 sqft
Basement Area	636 sqft
Unfinished Basement	636 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
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	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	313 RIVER ST
City	PALMER
State	MA
Zip	01069-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	75
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2004
Census Tract	810200

Owner

313 River St is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	313 RIVER ST, PALMER, MA 01069-9510
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 6, 2025	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
May 16, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MID-ISLAND MORTGAGE CORP
Dec 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	Jan 19, 2006 · Amount on File
Deed Book / Page	24549 / 158
Record Updated	Oct 29, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	313 RIVER ST, PALMER, MA 01069-9510
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025716-138
Date	Jan 6, 2025
Book Page	25716/138

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	229 Months
Due	Feb 1, 2044

Interest

Rate Type	Adjustable Rate

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	May 16, 2022
Property Address	313 RIVER ST, PALMER, MA 01069-9510
Document Number	024549-158
Book / Page	24549 / 158
Instrument Date	May 16, 2022
Instrument	29750
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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
Address	313 RIVER ST, PALMER, MA 01069-9510

Mortgage

Document Number	0000029751
Date	May 16, 2022
Instrument	29751

Lender

Name	MID-ISLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	313 RIVER ST, PALMER, MA 01069-9510
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23612-486
Date	Dec 28, 2020
Book Page	23612/486
Instrument	78094

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 313 River St was $2,791, up 8.7% 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	$2,791.00 (+8.73%)	$152,700 (+11.05%) Land $57,600 Building $95,100	$215,555 (+8.67%)
2024	$2,567.00 (-3.82%)	$137,500 (+0.15%) Land $52,400 Building $85,100	$198,360
2023	$2,669.00	$137,300 Land $52,400 Building $84,900

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

Flood

FEMA maps place 313 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 313 River 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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