41 Front St, #43, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 41 Front St, #43, Three Rivers, MA 01080

Property Summary

Property Type	Triplex
Details	5 bd · 4 ba · 2,424 sqft · built 1916
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$164,000 (Feb 2017)
Tax Bill	$4,982 (2025)
Deeds & Mortgages	May 2023 Refinance Nov 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`PALM M:70 B:136`

Property Details

APN / Parcel Number

Primary APN	`PALM M:70 B:136`
Alternative APN	`M:0070 L:000136`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Units	3 Units
Stories	2 Stories
Building Area	2,424 sqft Living Area
Gross Area	5,633 sqft
1st Floor Area	1,212 sqft
Attic	Attic
Attic Area	1,212 sqft
Basement Area	1,212 sqft
Unfinished Basement	1,212 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	41 FRONT ST, 43
City	THREE RIVERS
State	MA
Zip	01080-1234
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	TR
Legal Block	136
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2022
Census Tract	810300

Owner

41 Front St, #43 is owned by an individual who bought it in February 2017.

Source: Hampden County and Palmer Town City records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 418, LUDLOW, MA 01056-0418
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
May 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2017 · Amount on File
Deed Sale	Feb 21, 2017 · Amount on File
Prior Sale	Mar 5, 2012 · Amount on File
Deed Book / Page	21573 / 247
Transfer Doc	021573-247
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	41 FRONT ST # 43, 43, THREE RIVERS, MA 01080-1234
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024996-388
Date	May 8, 2023
Book Page	24996/388
Instrument	20600

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	41-43 FRONT ST, THREE RIVERS, MA 01080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22975-411
Date	Nov 27, 2019
Book Page	22975/411
Instrument	70217

Lender

Name	NORTHERN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 41 Front St, #43 was $4,982, up 7.1% 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
2025	$4,982.00 (+7.12%)	$273,300 (+10.83%) Land $62,400 Building $210,900
2024	$4,651.00 (+4.4%)	$246,600 (+9.16%) Land $56,700 Building $189,900
2023	$4,455.00	$225,900 Land $56,700 Building $169,200

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 41 Front St, #43 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 · 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 500 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

Wildfire risk around 41 Front St, #43 is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 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	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 236 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Front St

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