46 Charles St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 46 Charles St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,073 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2025)
Tax Bill	$4,082 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:110`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:110`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,073 sqft Living Area
Gross Area	3,475 sqft
1st Floor Area	1,073 sqft
Attic	Attic
Attic Area	1,073 sqft
Basement Area	1,073 sqft
Unfinished Basement	1,073 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	46 CHARLES ST
City	THREE RIVERS
State	MA
Zip	01080-1156
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	110
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1001
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City records, as of August 17, 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	1085 TASMAN DR, 725, SUNNYVALE, CA 94089-5824
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2025 · Amount on Record
Deed Sale	Aug 27, 2025 · Amount on Record
Deed Document Number	202540261
Deed Book / Page	26004 / 110
Record Updated	Sep 20, 2026

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Aug 27, 2025
Property Address	46 CHARLES ST, THREE RIVERS, MA 01080-1156
Document Number	026004-110
Book / Page	26004 / 110
Instrument Date	Aug 27, 2025
Instrument	40261
Transaction Type	Transfer
Record Updated	Jan 26, 2026

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	1085 TASMAN DR SPC 725, 725, SUNNYVALE, CA 94089-5824

Mortgage

Document Number	0000040263
Date	Aug 27, 2025
Instrument	40263

Lender

Name	OAKTREE FUNDING CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

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	$4,082.00 (+28.28%)	$223,900 (+32.72%) Land $59,600 Building $164,300	$274,835 (+19.3%)
2024	$3,182.00 (+1.79%)	$168,700 (+6.44%) Land $54,200 Building $114,500	$230,375
2023	$3,126.00	$158,500 Land $54,200 Building $104,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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