385 River St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 385 River St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,399 sqft · built 1994
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$269,900 (Feb 2006)
Tax Bill	$7,235 (2025)
Deeds & Mortgages	Aug 2022 Refinance Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PALM M:30 B:58`

Property Details

APN / Parcel Number

Primary APN	`PALM M:30 B:58`
Alternative APN	`M:0030 L:000058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,399 sqft Living Area
Gross Area	3,696 sqft
1st Floor Area	1,539 sqft
Basement Area	774 sqft
Unfinished Basement	774 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Pool Type	In-Ground Pool
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	385 RIVER ST
City	PALMER
State	MA
Zip	01069-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	58
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2004
Census Tract	810200

Owner

385 River St is owned and occupied by an individual who bought it in February 2006.

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

Owner of Record	Individual Name on File
Mailing Address	385 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
Aug 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Dec 6, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2006 · Amount on File
Deed Sale	Feb 7, 2006 · Amount on File
Prior Sale	Sep 1, 2004 · Amount on File
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	385 RIVER ST, PALMER, MA 01069-9510
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000231422
Date	Aug 4, 2022
Instrument	231422

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Dec 6, 2021
Property Address	385 RIVER ST, PALMER, MA 01069-9510
Document Number	0000228662
Instrument Date	Dec 1, 2021
Instrument	228662
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 RIVER ST, PALMER, MA 01069-9510

Mortgage

Document Number	0000228663
Date	Dec 6, 2021
Instrument	228663

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 385 River St was $7,235, up 7.5% 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	$7,235.00 (+7.49%)	$395,800 (+9.79%) Land $57,600 Building $338,200	$491,815 (+4.61%)
2024	$6,731.00 (+4.07%)	$360,500 (+8.36%) Land $52,400 Building $308,100	$470,155
2023	$6,468.00	$332,700 Land $52,400 Building $280,300

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

Flood

FEMA maps place 385 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 385 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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