Hampden County and Palmer Town City property record for 4 Memory Ln, Palmer, MA 01069
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,512 sqft · built 1995 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | Individual Name on File |
| Last Sale | $269,900 (May 2006) |
| Tax Bill | $6,205 (2025) |
| Deeds & Mortgages | Aug 2024 Refinance Aug 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:19 B:14 L:2 |
| Primary APN | PALM M:19 B:14 L:2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,512 sqft Living Area |
| Gross Area | 3,048 sqft |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 37,462 sqft (0.86 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Street Address | 4 MEMORY LN |
|---|---|
| City | PALMER |
| State | MA |
| Zip | 01069-2305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR |
| Legal Block | 14 |
| Legal Lot Number | 2 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 810200 |
Source: Hampden County and Palmer Town City records · APN PALM M:19 B:14 L:2
Assessment roll updated April 14, 2026 · Last verified July 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 | 4 MEMORY LN, PALMER, MA 01069-2305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Aug 04, 2020 | Quit Claim Deed, Transfer · Stand-Alone Refinance SEMPER HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 18, 2006 · Amount on Record |
| Deed Sale | May 18, 2006 · Amount on Record |
| Prior Sale | Feb 09, 1996 · Amount on Record |
| Deed Book / Page | 15906 / 62 |
| Last Transfer Date | Jul 30, 2020 |
| Transfer Doc | 23348-120 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 4 MEMORY LN, PALMER, MA 01069-2305 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 025547-557 |
|---|---|
| Date | Aug 26, 2024 |
| Book Page | 25547/557 |
| Instrument | 39095 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2039 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | PALMER MA |
| Recording Date | Aug 04, 2020 |
| Property Address | 4 MEMORY LN, PALMER, MA 01069-2305 |
| Document Number | 23348-120 |
| Book / Page | 23348 / 120 |
| Instrument Date | Jul 30, 2020 |
| Instrument | 42491 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 MEMORY LN, PALMER, MA 01069-2305 |
| Document Number | 23348-122 |
|---|---|
| Date | Aug 04, 2020 |
| Book Page | 23348/122 |
| Instrument | 42492 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Hampden County and Palmer Town City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,205.00 (+6.49%) | $341,900 (+9.55%) Land $64,600 Building $277,300 | $368,410 (+3.77%) |
| 2024 | $5,827.00 (+2.16%) | $312,100 (+6.37%) Land $58,600 Building $253,500 | $355,015 |
| 2023 | $5,704.00 | $293,400 Land $58,600 Building $234,800 |
Source: FEMA National Flood Hazard Layer as of June 7, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 80 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | PALMER WATER DISTRICT NO.1 serves 4,789 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2025 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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