41 Smith St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 41 Smith St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,824 sqft · built 1995
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on File
Last Sale	$635,000 (Jun 2026)
Tax Bill	$10,516 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:75 B:10 L:5`

Property Details

APN / Parcel Number

Primary APN	`PALM M:75 B:10 L:5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,824 sqft Living Area
Gross Area	5,544 sqft
1st Floor Area	1,320 sqft
Attic	Attic
Attic Area	624 sqft
Basement Area	1,176 sqft
Unfinished Basement	1,176 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	41 SMITH ST
City	PALMER
State	MA
Zip	01069-2109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	10
Legal Lot Number	5
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1022
Census Tract	810100

Owner

Source: Hampden County and Palmer Town City records · APN PALM M:75 B:10 L:5

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	2 Individual Names on File
Mailing Address	87 WESTOVER PKWY, NORWOOD, MA 02062-1628
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 08, 2026	Quit Claim Deed, Transfer · ARM DEDHAM INSTITUTION FOR SAVINGS
Oct 29, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CORNERSTONE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 08, 2026 · Amount on Record
Deed Sale	Jun 08, 2026 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	202625705
Deed Book / Page	26363 / 492
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Jun 08, 2026
Property Address	41 SMITH ST, PALMER, MA 01069-2109
Document Number	026363-492
Book / Page	26363 / 492
Instrument Date	May 26, 2026
Instrument	202625705
Transaction Type	Transfer
Record Updated	Jul 01, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	87 WESTOVER PKWY, NORWOOD, MA 02062-1628

Mortgage

Date	Jun 08, 2026

Lender

Name	DEDHAM INSTITUTION FOR SAVINGS

Agreement

Type	ARM
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Type Change Date	Jul 01, 2033
Index	1-Year CMT
Margin	3
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Oct 29, 2021
Property Address	41 SMITH ST, PALMER, MA 01069-2109
Document Number	24213-163
Book / Page	24213 / 163
Instrument Date	Oct 29, 2021
Instrument	76892
Transaction Type	Transfer
Record Updated	Nov 19, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Relationship	Tenants by the Entirety
Address	84 SUOMI ST, PAXTON, MA 01612-1212

Mortgage

Document Number	76893
Date	Oct 29, 2021
Instrument	76893

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Palmer Town City records · Assessment roll updated April 14, 2026 · Last verified July 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 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	$10,516.00 (+4.7%)	$579,400 (+7.7%) Land $178,400 Building $401,000	$641,440 (+4.71%)
2024	$10,044.00 (-0.74%)	$538,000 (+3.36%) Land $186,700 Building $351,300	$612,560
2023	$10,119.00	$520,500 Land $196,500 Building $324,000

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 41 locations within half a mile of this property.

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