46 Kelley St, Three Rivers, MA 01080 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1850
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$337,500 (May 2026)
Tax Bill	$5,172 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:17 B:8`

Property Details

APN / Parcel Number

Primary APN	`PALM M:17 B:8`
Alternative APN	`M:0017 L:000008`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
Gross Area	2,028 sqft
1st Floor Area	616 sqft
Basement Area	616 sqft
Unfinished Basement	616 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	46 KELLEY ST
City	THREE RIVERS
State	MA
Zip	01080-1230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Block	8
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2027
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	46 KELLY RD, PALMER, MA 01069-9614
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC
Apr 2, 2021	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC
Sep 11, 2018	Redemption Deed, Transfer
Sep 17, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Apr 2, 2021 · Amount on Record
Deed Document Number	202619229
Deed Book / Page	26315 / 242
Transfer Doc	22379-420
Record Updated	Oct 29, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	May 1, 2026
Property Address	46 KELLEY ST, THREE RIVERS, MA 01080-1230
Document Number	026315-242
Book / Page	26315 / 242
Instrument Date	Apr 23, 2026
Instrument	2026.19229
Transaction Type	Transfer
Record Updated	May 21, 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
Relationship	Tenants by the Entirety
Address	46 KELLY RD, PALMER, MA 01069-9614

Mortgage

Date	May 1, 2026

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Apr 2, 2021
Property Address	46 KELLEY ST, THREE RIVERS, MA 01080-1230
Document Number	23801-106
Book / Page	23801 / 106
Instrument Date	Apr 2, 2021
Instrument	22296
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	42 CHANNING ST, WORCESTER, MA 01605-3413

Mortgage

Document Number	22297
Date	Apr 2, 2021
Instrument	22297

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2018: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	PALMER MA
Recording Date	Sep 11, 2018
Property Address	46 KELLEY ST, THREE RIVERS, MA 01080-1230
Document Number	22353-430
Book / Page	022353 / 000430
Instrument Date	Sep 5, 2018
Instrument	54318
Transaction Type	Transfer
Record Updated	Oct 2, 2018

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 KELLEY ST THREE RIVERS MA 010801230, THREE RIVERS, MA 01080-1230

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	PALMER MA
Recording Date	Sep 17, 2018
Property Address	46 KELLEY ST, THREE RIVERS, MA 01080-1230
Document Number	22360-486
Book / Page	022360 / 000486
Instrument Date	Aug 9, 2018
Instrument	55468
Transaction Type	Foreclosure
Record Updated	Oct 9, 2018

Transaction

Amount	Amount Recorded
Tax	$231.01
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

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	$5,172.00 (+6.24%)	$283,700 (+9.92%) Land $69,000 Building $214,700	$316,540 (+9.32%)
2024	$4,868.00 (+2.81%)	$258,100 (+7.5%) Land $62,700 Building $195,400	$289,560
2023	$4,735.00	$240,100 Land $62,700 Building $177,400

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	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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