38 Mechanic St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 38 Mechanic St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 2001
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$228,500 (Jun 2020)
Tax Bill	$5,505 (2025)
Deeds & Mortgages	Jun 2020 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`PALM M:60 B:20`

Property Details

APN / Parcel Number

Primary APN	`PALM M:60 B:20`
Alternative APN	`M:0060 L:000020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	3,040 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
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	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	38 MECHANIC ST
City	PALMER
State	MA
Zip	01069-1015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	20
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	3
Census Block	3013
Census Tract	810100

Owner

38 Mechanic St is owned by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	115 KNOLLWOOD ST, SPRINGFIELD, MA 01104-1842
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2020 · Amount on File
Deed Sale	Jun 11, 2020 · Amount on File
Prior Sale	Aug 31, 2001 · Amount on File
Deed Document Number	202030096
Transfer Doc	21298-174
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Jun 11, 2020
Property Address	38 MECHANIC ST, PALMER, MA 01069-1015
Document Number	23254-562
Book / Page	23254 / 562
Instrument Date	May 26, 2020
Instrument	30096
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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	115 KNOLLWOOD ST, SPRINGFIELD, MA 01104-1842

Mortgage

Document Number	23254-566
Date	Jun 11, 2020
Book Page	23254/566
Instrument	30097

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 38 Mechanic St was $5,505, up 7.1% 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	$5,505.00 (+7.1%)	$303,300 (+10.17%) Land $57,600 Building $245,700	$313,690 (+21.8%)
2024	$5,140.00 (+3.44%)	$275,300 (+7.71%) Land $52,400 Building $222,900	$257,545
2023	$4,969.00	$255,600 Land $52,400 Building $203,200

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

Flood

FEMA maps place 38 Mechanic St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2005.

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	2 in force
Nearby Flood Claims	4 (2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Oct 2005 · 4 claims

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 38 Mechanic 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	PALMER WATER DISTRICT NO.1 serves 4,789 people · EPA ID MA1227000
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure not recorded as resolved · Jan 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 72 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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