4038 Pine St, #4044, Thorndike, MA 01079 Property Records

Hampden County and Palmer Town City property record for 4038 Pine St, #4044, Thorndike, MA 01079

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,205 sqft · built 1920
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Apr 2023)
Tax Bill	$4,314 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:82 B:49`

Property Details

APN / Parcel Number

Primary APN	`PALM M:82 B:49`
Alternative APN	`M:0082 L:000049`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Units	2 Units
Stories	2 Stories
Building Area	2,205 sqft Living Area
Gross Area	3,972 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	4038 PINE ST, 4044
City	THORNDIKE
State	MA
Zip	01079-7701
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR
Legal Block	49
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1014
Census Tract	810200

Owner

4038 Pine St, #4044 is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4038 PINE ST, 4044, THORNDIKE, MA 01079-7701
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2023 · Amount on File
Deed Sale	Apr 4, 2023 · Amount on File
Deed Document Number	202315157
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Apr 4, 2023
Property Address	4038 PINE ST # 4044, 4044, THORNDIKE, MA 01079-7701
Document Number	024959-584
Book / Page	24959 / 584
Instrument Date	Apr 4, 2023
Instrument	15157
Transaction Type	Transfer
Record Updated	May 16, 2024

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	4038 PINE ST, THORNDIKE, MA 01079-7701

Mortgage

Document Number	0000015158
Date	Apr 4, 2023
Instrument	15158

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 4038 Pine St, #4044 was $4,314, up 5.8% 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	$4,314.00 (+5.76%)	$236,000 (+9.77%) Land $52,600 Building $183,400	$302,623
2024	$4,079.00 (+1.67%)	$215,000 (+7.5%) Land $47,800 Building $167,200
2023	$4,012.00	$200,000 Land $47,800 Building $152,200

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

Flood

FEMA maps place 4038 Pine St, #4044 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4038 Pine St, #4044 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	THORNDIKE FIRE AND WATER DISTRICT serves 1,435 people · EPA ID MA1227001
Water Source	Purchased groundwater from several systems
Last State Inspection	Aug 2023
Lead	2 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	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 47 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.

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