38 Bourne St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 38 Bourne St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,028 sqft · built 1900
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$78,000 (Jul 2018)
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Jul 2023 Refinance Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:131`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:131`
Alternative APN	`M:0071 L:000131`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
Gross Area	3,208 sqft
1st Floor Area	1,164 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	38 BOURNE ST
City	THREE RIVERS
State	MA
Zip	01080-1306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	131
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1020
Census Tract	810300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	38 BOURNE ST, THREE RIVERS, MA 01080-1306
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
Dec 31, 2018	Deed of Trust, Mortgage · FHA Mortgage INLAND BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 20, 2018 · Amount on Record
Deed Sale	Jul 20, 2018 · Amount on Record
Prior Sale	Dec 28, 2011
Deed Book / Page	22276 / 358
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	38 BOURNE ST, THREE RIVERS, MA 01080-1306
Transaction Type	Mortgage
Record Updated	Feb 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025088-114
Date	Jul 24, 2023
Book Page	25088/114
Instrument	33675

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	313 Months
Due	Aug 1, 2049

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	38 BOURNE ST, THREE RIVERS, MA 01080-1306
Document Number	22506-514
Instrument Date	Dec 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BOURNE ST THREE RIVERS MA 010801306, THREE RIVERS, MA 01080-1306

Mortgage

Document Number	22506-514
Date	Dec 31, 2018
Book Page	022506/000514
Instrument	77880

Lender

Name	INLAND BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2048

Tax Assessment & Valuation

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	$4,213.00 (+7.34%)	$231,100 (+11.05%) Land $60,300 Building $170,800	$418,760 (+0.11%)
2024	$3,925.00 (+2.27%)	$208,100 (+6.94%) Land $54,800 Building $153,300	$418,285
2023	$3,838.00	$194,600 Land $54,800 Building $139,800

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	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

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G and 4G LTE (outdoors only)

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