4 Cheney St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 4 Cheney St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1989
Lot Size	0.78 acres (33,977 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Apr 2016)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:71 B:27`

Property Details

APN / Parcel Number

Primary APN	`PALM M:71 B:27`
Alternative APN	`M:0071 L:000027`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	1,184 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	1,184 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,977 sqft (0.78 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4 CHENEY ST
City	THREE RIVERS
State	MA
Zip	01080-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	27
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1011
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City records, as of October 20, 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 Record
Mailing Address	4 CHENEY ST, THREE RIVERS, MA 01080-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2016 · Amount on Record
Deed Sale	Apr 28, 2016 · Amount on Record
Prior Sale	Sep 22, 2004 · Amount on Record
Deed Book / Page	21154 / 571
Transfer Doc	021154-571
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	4 CHENEY ST, THREE RIVERS, MA 01080-1313
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025218-496
Date	Nov 7, 2023
Book Page	25218/496
Instrument	52935

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2038

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	$5,092.00 (+8.59%)	$279,300 (+17.45%) Land $63,500 Building $215,800	$315,875
2023	$4,689.00	$237,800 Land $57,600 Building $180,200

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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.

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

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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