407 Mountain Rd, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 407 Mountain Rd, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1952
Lot Size	2.22 acres (96,721 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,446 (2026)
Deeds & Mortgages	Jul 2023 Refinance Jul 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 126,145`

Property Details

APN / Parcel Number

Primary APN	`MAP 126,145`
Alternative APN	`WILB M:8000 B:130 L:3435`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	960 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	96,721 sqft (2.22 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 126,145
Street Address	407 MOUNTAIN RD
City	WILBRAHAM
State	MA
Zip	01095-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Block	130
Legal Lot Number	3435
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	3
Census Block	3010
Census Tract	813601

Owner

407 Mountain Rd is owned and occupied by two individuals who acquired it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 MOUNTAIN RD, WILBRAHAM, MA 01095-1725
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
Jul 3, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Jul 31, 2023	Redemption Deed, Transfer
Mar 21, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 11, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 5, 2023
Transfer Doc	0025098-10
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	407 MOUNTAIN RD, WILBRAHAM, MA 01095-1725
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025064-594
Date	Jul 3, 2023
Book Page	25064/594
Instrument	30305

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jul 31, 2023
Property Address	407 MOUNTAIN RD, WILBRAHAM, MA 01095-1725
Document Number	0025098-10
Book / Page	25098 / 10
Instrument Date	Jul 5, 2023
Instrument	35207
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	407 MOUNTAIN RD, WILBRAHAM, MA 01095-1725
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21608-483
Date	Mar 21, 2017
Book Page	21608/483
Instrument	14687

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	407 MOUNTAIN RD, WILBRAHAM, MA 01095-1725
Document Number	22202-349
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 MOUNTAIN RD WILBRAHAM MA 010951725, WILBRAHAM, MA 01095-1725

Mortgage

Document Number	22202-349
Date	Jun 4, 2018
Book Page	022202/000349
Instrument	30741

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 407 Mountain Rd was $4,446, up 2.7% from the year before.

Source: Hampden County and Wilbraham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wilbraham Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,446.00 (+2.7%)	$254,800 (+5.25%) Land $111,300 Building $143,500	$317,862 (+5.38%)
2025	$4,329.00 (-1.23%)	$242,100 (+2.2%) Land $111,300 Building $130,800	$301,625 (-)
2024	$4,383.00 (-1.02%)	$236,900 (+0.04%) Land $111,300 Building $125,600	$301,625
2023	$4,428.00	$236,800 Land $111,300 Building $125,500

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

Flood

FEMA maps place 407 Mountain Rd 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	2 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 407 Mountain Rd 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 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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