4195 High St, Thorndike, MA 01079 Property Records

Hampden County and Palmer Town City property record for 4195 High St, Thorndike, MA 01079

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,262 sqft · built 1860
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$249,000 (May 2023)
Tax Bill	$4,336 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:24 B:34`

Property Details

APN / Parcel Number

Primary APN	`PALM M:24 B:34`
Alternative APN	`M:0024 L:000034`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,262 sqft Living Area
Gross Area	2,367 sqft
1st Floor Area	761 sqft
Basement Area	761 sqft
Unfinished Basement	761 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	4195 HIGH ST
City	THORNDIKE
State	MA
Zip	01079-7729
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	34
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2014
Census Tract	810200

Owner

4195 High St is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4195 HIGH ST, THORNDIKE, MA 01079-7729
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
May 30, 2023	Quit Claim Deed, Transfer · FHA Mortgage TOTAL MORTGAGE SERVICES LLC
Feb 12, 2019	Warranty Deed, Transfer QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on File
Deed Sale	May 30, 2023 · Amount on File
Prior Sale	Feb 12, 2019 · Amount on File
Deed Document Number	202324506
Deed Book / Page	25023 / 234
Record Updated	Sep 20, 2026

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	May 30, 2023
Property Address	4195 HIGH ST, THORNDIKE, MA 01079-7729
Document Number	025023-234
Book / Page	25023 / 234
Instrument Date	May 30, 2023
Instrument	24506
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	4195 HIGH ST, PALMER, MA 01069

Mortgage

Document Number	0000024507
Date	May 30, 2023
Instrument	24507

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Feb 12, 2019
Property Address	4195 HIGH ST, THORNDIKE, MA 01079-7729
Document Number	22553-195
Book / Page	022553 / 000195
Instrument Date	Feb 12, 2019
Instrument	7653
Transaction Type	Transfer
Record Updated	Feb 26, 2019

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	104 PROSPECT ST GILBERTVILLE MA 010319706, GILBERTVILLE, MA 01031-9706

Mortgage

Document Number	22553-197
Date	Feb 12, 2019
Book Page	022553/000197
Instrument	7654

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4195 High St was $4,336, 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	$4,336.00 (+5.81%)	$237,200 (+9.81%) Land $54,400 Building $182,800	$285,380 (+2.28%)
2024	$4,098.00 (+1.74%)	$216,000 (+7.57%) Land $49,400 Building $166,600	$279,015
2023	$4,028.00	$200,800 Land $49,400 Building $151,400

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

Flood

FEMA maps place 4195 High St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 4195 High St 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	Direct burnable vegetation

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 96 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, Verizon.

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