5 Ruth Dr, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 5 Ruth Dr, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,278 sqft · built 1960
Lot Size	0.475 acres (20,690 sqft)
Owner	Individual Name on Record
Last Sale	$256,000 (Nov 2018)
Tax Bill	$5,732 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Aug 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 68`

Property Details

APN / Parcel Number

Primary APN	`MAP 68`
Alternative APN	`WILB M:10450 B:5 L:4247`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
Gross Area	2,556 sqft
1st Floor Area	1,278 sqft
Basement Area	300 sqft
Unfinished Basement	144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,690 sqft (0.475 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 68
Street Address	5 RUTH DR
City	WILBRAHAM
State	MA
Zip	01095-2610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R26
Legal Block	5
Legal Lot Number	4247
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	3
Census Block	3026
Census Tract	813602

Owner

Source: Hampden County and Wilbraham Town records, as of October 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	5 RUTH DR, WILBRAHAM, MA 01095-2610
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Nov 1, 2018	Deed of Trust, Mortgage HOUSING DEV FUND INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2018 · Amount on Record
Deed Sale	Nov 1, 2018 · Amount on Record
Prior Sale	Oct 30, 2006
Deed Book / Page	22430 / 151
Transfer Doc	022430-151
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	5 RUTH DR, WILBRAHAM, MA 01095-2610
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024327-250
Date	Dec 28, 2021
Book Page	24327/250
Instrument	92497

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	5 RUTH DR, WILBRAHAM, MA 01095-2610
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024048-63
Date	Aug 9, 2021
Book Page	24048/63
Instrument	55384

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

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

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	5 RUTH DR, WILBRAHAM, MA 01095-2610
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22430-174
Date	Nov 1, 2018
Book Page	22430/174
Instrument	65847

Lender

Name	HOUSING DEV FUND INC

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wilbraham Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,732.00 (+0.24%)	$328,500 (+2.72%) Land $96,400 Building $232,100	$383,100 (+5.32%)
2025	$5,718.00 (+8.03%)	$319,800 (+11.78%) Land $96,400 Building $223,400	$363,755 (+0.1%)
2024	$5,293.00 (+3.46%)	$286,100 (+4.57%) Land $96,400 Building $189,700	$363,375
2023	$5,116.00	$273,600 Land $96,400 Building $177,200

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	4 in force
Nearby Flood Claims	4 (1978–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 135 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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