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

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

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,560 sqft · built 1910
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Aug 2018)
Tax Bill	$4,523 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:77 B:52`

Property Details

APN / Parcel Number

Primary APN	`PALM M:77 B:52`
Alternative APN	`M:0077 L:000052`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,560 sqft Living Area
Gross Area	4,080 sqft
1st Floor Area	1,280 sqft
Basement Area	1,280 sqft
Unfinished Basement	1,280 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Rolled Roofing
Lot Area	10,019 sqft (0.23 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 NORTH ST, 43
City	THREE RIVERS
State	MA
Zip	01080-1024
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	SR
Legal Block	52
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2013
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City records · APN PALM M:77 B:52

Assessment roll updated April 14, 2026 · Last verified April 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	41 NORTH ST, 43, THREE RIVERS, MA 01080-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Aug 04, 1994 · Amount on Record
Deed Book / Page	22319 / 7
Record Updated	Jun 08, 2026

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Aug 17, 2018
Property Address	41-43 NORTH ST, THREE RIVERS, MA 01080
Document Number	22319-7
Book / Page	22319 / 7
Instrument	49004
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$39.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	223190010
Date	Aug 17, 2018
Instrument	22319/0010

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 17, 2048

Tax Assessment & Valuation

Source: Hampden County and Palmer Town City records · Assessment roll updated April 14, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value
2025	$4,523.00 (+17.97%)	$248,100 (+22.04%) Land $60,500 Building $187,600
2024	$3,834.00 (+2.38%)	$203,300 (+7.06%) Land $55,000 Building $148,300
2023	$3,745.00	$189,900 Land $55,000 Building $134,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 236 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Drinking Water

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	THREE RIVERS FIRE DISTRICT serves 3,258 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.