45 Union Rd, Wales, MA 01081 Property Records

Hampden County and Wales Town property record for 45 Union Rd, Wales, MA 01081

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,824 sqft · built 1925
Lot Size	21.5 acres (938,718 sqft)
Owner	Individual Name on Record
Last Sale	$152,000 (Apr 2019)
Tax Bill	$7,021 (2025)
Deeds & Mortgages	Apr 2021 Refinance Sep 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16041`

Property Details

APN / Parcel Number

Primary APN	`16041`
Alternative APNs	`WALE M:1000 B:3060 L:0045-0` `M:1000 B:3060 L:0045=0`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,824 sqft Living Area
Gross Area	4,396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	938,718 sqft (21.5 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	16041
Street Address	45 UNION RD
City	WALES
State	MA
Zip	01081-9600
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	3060
Legal Lot Number	45-0
Jurisdiction	WALES MA
Township / Civil Division	WALES
Census Block Group	1
Census Block	1013
Census Tract	813801

Owner

Source: Hampden County and Wales Town records, as of April 14, 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 UNION RD, WALES, MA 01081-9600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 27, 2023	Quit Claim Deed, Transfer Quitclaim
Nov 21, 2019	Deed of Trust, Mortgage · Commercial Mortgage MONSON SAVINGS BANK
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MONSON SAVINGS BANK
Oct 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 29, 2019	Quit Claim Deed, Transfer · Commercial Mortgage MONSON SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2019 · Amount on Record
Deed Sale	Apr 29, 2019 · Amount on Record
Prior Sale	Aug 26, 1985 · Amount on Record
Last Transfer Date	Mar 28, 2023
Transfer Doc	025170-114
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALES MA
Property Address	45 UNION RD, WALES, MA 01081-9600
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023844-200
Date	Apr 26, 2021
Book Page	23844/200
Instrument	28003

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALES MA
Recording Date	Sep 27, 2023
Property Address	45 UNION RD, WALES, MA 01081-9600
Document Number	025170-114
Book / Page	25170 / 114
Instrument Date	Mar 28, 2023
Instrument	45841
Transaction Type	Transfer
Record Updated	Oct 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	45 UNION RD, WALES, MA 01081-9600

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALES MA
Property Address	45 UNION RD, WALES, MA 01081-9600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22963-421
Date	Nov 21, 2019
Book Page	22963/421
Instrument	68584

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WALES MA
Property Address	45 UNION RD, WALES, MA 01081-9600
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23589-82
Date	Dec 14, 2020
Book Page	23589/82
Instrument	74625

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2052

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALES MA
Recording Date	Oct 7, 2020
Property Address	45 UNION RD, WALES, MA 01081-9600
Document Number	23463-343
Book / Page	023463 / 000343
Instrument Date	Oct 6, 2020
Instrument	57785
Transaction Type	Transfer
Record Updated	Oct 27, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 UNION RD WALES MA 010819600, WALES, MA 01081-9600

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WALES MA
Recording Date	Apr 29, 2019
Property Address	45 UNION RD, WALES, MA 01081-9600
Document Number	22643-92
Book / Page	22643 / 92
Instrument Date	Apr 29, 2019
Instrument	21724
Transaction Type	Transfer
Record Updated	May 11, 2021

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	37 UNION RD, WALES, MA 01081-9600

Mortgage

Document Number	21725
Date	Apr 29, 2019
Instrument	21725

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Wales Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wales Town
Secondary School District	Tantasqua School District (07 - 12)
Elementary School District	Wales School District (PK - 06)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$7,021.00 (+24.95%)	$486,880 (+27.99%) Land $88,980 Building $397,900
2024	$5,619.00 (+1.54%)	$380,400 (+17.26%) Land $111,800 Building $268,600
2023	$5,534.00	$324,400 Land $101,700 Building $222,700

Assessed value is set for property tax purposes and is not a market price estimate.

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	3 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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