5 Ruggles St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 5 Ruggles St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1915
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Apr 2025)
Tax Bill	$3,976 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:145`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:145`
Alternative APN	`M:0078 L:000145`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	876 sqft Living Area
Gross Area	1,941 sqft
1st Floor Area	876 sqft
Attic	Attic
Attic Area	126 sqft
Basement Area	729 sqft
Unfinished Basement	729 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	5 RUGGLES ST
City	THREE RIVERS
State	MA
Zip	01080-1135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	145
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1008
Census Tract	810300

Owner

Source: Hampden County and Palmer Town City assessment roll, 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	2 Individual Names on File
Mailing Address	5 RUGGLES ST, THREE RIVERS, MA 01080-1135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Jun 15, 2017 · Amount on Record
Deed Document Number	202517861
Deed Book / Page	25838 / 164
Record Updated	Sep 20, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Jun 15, 2017
Property Address	5 RUGGLES ST, THREE RIVERS, MA 01080-1135
Document Number	21722-495
Book / Page	21722 / 495
Instrument	33009
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$24.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 RUGGLES ST, THREE RIVERS, MA 01080-1135

Mortgage

Document Number	217220498
Date	Jun 15, 2017
Instrument	21722/0498

Lender

Name	PEOPLESBANK (HOLYOKE)

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 15, 2047

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	$3,976.00 (+7.03%)	$218,100 (+10.71%) Land $57,900 Building $160,200	$227,145 (-)
2024	$3,715.00 (+2.48%)	$197,000 (+7.18%) Land $52,600 Building $144,400	$227,145
2023	$3,625.00	$183,800 Land $52,600 Building $131,200

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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