45 Ruggles St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 45 Ruggles St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1958
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$292,000 (Mar 2023)
Tax Bill	$4,918 (2025)
Deeds & Mortgages	Apr 2021 Refinance Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:135`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:135`
Alternative APN	`M:0078 L:000135`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	4,388 sqft
1st Floor Area	1,428 sqft
Attic	Attic
Attic Area	1,428 sqft
Basement Area	1,428 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	45 RUGGLES ST
City	THREE RIVERS
State	MA
Zip	01080-1143
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	135
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1004
Census Tract	810300

Owner

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 RUGGLES ST, THREE RIVERS, MA 01080-1143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE AFFINITY LLC
Mar 16, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HOLYOKE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2023 · Amount on Record
Deed Sale	Mar 16, 2023 · Amount on Record
Prior Sale	Mar 22, 2016 · Amount on Record
Deed Book / Page	24939 / 163
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	45 RUGGLES ST, THREE RIVERS, MA 01080-1143
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023824-573
Date	Apr 15, 2021
Book Page	23824/573
Instrument	25345

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Mar 16, 2023
Property Address	45 RUGGLES ST, THREE RIVERS, MA 01080-1143
Document Number	024939-163
Book / Page	24939 / 163
Instrument Date	Mar 16, 2023
Instrument	11796
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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	542 AMHERST RD, SOUTH HADLEY, MA 01075-1205

Mortgage

Document Number	0000011797
Date	Mar 16, 2023
Instrument	11797

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,918.00 (+6.96%)	$269,800 (+10.66%) Land $60,700 Building $209,100	$349,885 (+10.5%)
2024	$4,598.00 (+2.68%)	$243,800 (+7.35%) Land $55,200 Building $188,600	$316,635
2023	$4,478.00	$227,100 Land $55,200 Building $171,900

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

Flood

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.

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	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

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, 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

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