Hampden County and Palmer Town City property record for 45 Charles St, Three Rivers, MA 01080
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 975 sqft · built 1928 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,056 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:78 B:107 |
| Primary APN | PALM M:78 B:107 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 975 sqft Living Area |
| Gross Area | 2,935 sqft |
| 1st Floor Area | 975 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,572 sqft (0.61 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 CHARLES ST |
|---|---|
| City | THREE RIVERS |
| State | MA |
| Zip | 01080-1157 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 107 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 810300 |
Source: Hampden County and Palmer Town City records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 45 CHARLES ST, THREE RIVERS, MA 01080-1157 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,056.00 (+7.7%) | $222,500 (+11.42%) Land $69,200 Building $153,300 | $201,495 (-8.7%) |
| 2024 | $3,766.00 (+1.65%) | $199,700 (+6.28%) Land $62,800 Building $136,900 | $220,685 |
| 2023 | $3,705.00 | $187,900 Land $62,800 Building $125,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
5G (outdoors only) and 4G LTE
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