Hampden County and Palmer Town City property record for 51 Ruggles St, Three Rivers, MA 01080
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,076 sqft · built 1957 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,175 (Feb 2003) |
| Tax Bill | $3,949 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | PALM M:78 B:134 |
| Primary APN | PALM M:78 B:134 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,076 sqft Living Area |
| Gross Area | 3,318 sqft |
| 1st Floor Area | 1,076 sqft |
| Basement Area | 1,076 sqft |
| Unfinished Basement | 1,076 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Street Address | 51 RUGGLES ST |
|---|---|
| City | THREE RIVERS |
| State | MA |
| Zip | 01080-1143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TR |
| Legal Block | 134 |
| Jurisdiction | PALMER MA |
| Township / Civil Division | PALMER TOWN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 810300 |
51 Ruggles St is owned and occupied by two individuals who bought it in February 2003.
Source: Hampden County and Palmer Town City records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 51 RUGGLES ST, THREE RIVERS, MA 01080-1143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2003 · Amount on File |
| Deed Sale | Feb 26, 2003 · Amount on File |
| Prior Sale | Aug 28, 2002 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PALMER MA |
| Property Address | 51 RUGGLES ST, THREE RIVERS, MA 01080-1143 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22812-373 |
|---|---|
| Date | Aug 20, 2019 |
| Book Page | 22812/373 |
| Instrument | 47033 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Sep 1, 2044 |
The 2025 property tax bill for 51 Ruggles St was $3,949, up 7.2% from the year before.
Source: Hampden County and Palmer Town City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Palmer Town City |
| Unified School District | Palmer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,949.00 (+7.16%) | $216,600 (+10.85%) Land $60,700 Building $155,900 | $305,330 (+13.77%) |
| 2024 | $3,685.00 (+2.05%) | $195,400 (+6.72%) Land $55,200 Building $140,200 | $268,375 |
| 2023 | $3,611.00 | $183,100 Land $55,200 Building $127,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Ruggles St in Zone X, an area of minimal flood risk.
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 risk around 51 Ruggles St is low, with a 0.01% annual chance of 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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