38 Charles St, Three Rivers, MA 01080 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,825 sqft · built 1894
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Oct 2018)
Tax Bill	$4,820 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:109`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:109`
Alternative APN	`M:0078 L:000109`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,825 sqft Living Area
Gross Area	2,898 sqft
1st Floor Area	1,225 sqft
Basement Area	975 sqft
Unfinished Basement	975 sqft

Exterior

Year Built	Built 1894
Effective Year Built	Effective 1894
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	38 CHARLES ST
City	THREE RIVERS
State	MA
Zip	01080-1156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	109
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1001
Census Tract	810300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	38 CHARLES ST, THREE RIVERS, MA 01080-1156
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 25, 2019	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 26, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2018 · Amount on Record
Deed Sale	Oct 26, 2018 · Amount on Record
Prior Sale	Jul 27, 2016 · Amount on Record
Deed Document Number	201864258
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	38 CHARLES ST, THREE RIVERS, MA 01080-1156
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23318-254
Date	Jul 20, 2020
Book Page	23318/254
Instrument	38749

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	38 CHARLES ST, THREE RIVERS, MA 01080-1156
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22771-142
Date	Jul 25, 2019
Book Page	22771/142
Instrument	41052

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Oct 26, 2018
Property Address	38 CHARLES ST, THREE RIVERS, MA 01080-1156
Document Number	22419-206
Book / Page	022419 / 000206
Instrument Date	Oct 23, 2018
Instrument	64258
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MEADOWBROOK LN PALMER MA 010691134, PALMER, MA 01069-1134

Mortgage

Document Number	22419-209
Date	Oct 26, 2018
Book Page	022419/000209
Instrument	64259

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 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	$4,820.00 (-12.78%)	$264,400 (-9.76%) Land $67,700 Building $196,700	$286,425 (-11.74%)
2024	$5,526.00 (+2.94%)	$293,000 (+7.64%) Land $61,500 Building $231,500	$324,520
2023	$5,368.00	$272,200 Land $61,500 Building $210,700

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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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