43 Main St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 43 Main St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,286 sqft · built 1922
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Sep 2021)
Tax Bill	$7,219 (2026)
Deeds & Mortgages	Feb 2022 Refinance Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`MAP 106`

Property Details

APN / Parcel Number

Primary APN	`MAP 106`
Alternative APN	`WILB M:7000 B:34 L:2667`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,286 sqft Living Area
Gross Area	3,880 sqft
1st Floor Area	1,066 sqft
Attic	Attic
Attic Area	784 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,302 sqft (1.04 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 106
Street Address	43 MAIN ST
City	WILBRAHAM
State	MA
Zip	01095-1632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R26
Legal Block	34
Legal Lot Number	2667
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	2
Census Block	2000
Census Tract	813601

Owner

43 Main St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	43 MAIN ST, WILBRAHAM, MA 01095-1632
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
Feb 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS MORTGAGE COMPANY INC
Sep 2, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NFM LENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on File
Deed Sale	Sep 2, 2021 · Amount on File
Prior Sale	Sep 9, 2016 · Amount on File
Deed Book / Page	24099 / 396
Prior Transfer Date	Sep 1, 2021
Prior Transfer Doc	24099-396
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	43 MAIN ST, WILBRAHAM, MA 01095-1632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024412-378
Date	Feb 18, 2022
Book Page	24412/378
Instrument	10563

Lender

Name	MEMBERS MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Sep 2, 2021
Property Address	43 MAIN ST, WILBRAHAM, MA 01095-1632
Document Number	24099-396
Book / Page	24099 / 396
Instrument Date	Sep 1, 2021
Instrument	62098
Transaction Type	Transfer
Record Updated	Sep 17, 2021

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
Relationship	Tenants by the Entirety
Address	425 N DIJON CT, TUCSON, AZ 85748-1946

Mortgage

Document Number	62099
Date	Sep 2, 2021
Instrument	62099

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 43 Main St was $7,219, up 2.6% 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	$7,219.00 (+2.63%)	$413,700 (+5.16%) Land $88,800 Building $324,900	$439,822 (-11.05%)
2025	$7,034.00 (-2.74%)	$393,400 (+0.64%) Land $88,800 Building $304,600	$494,475 (+7.23%)
2024	$7,232.00 (+8.33%)	$390,900 (+9.5%) Land $88,800 Building $302,100	$461,130
2023	$6,676.00	$357,000 Land $88,800 Building $268,200

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

Flood

FEMA maps place 43 Main St 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	5 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 43 Main St 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	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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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