63 Charles St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 63 Charles St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1950
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Jun 2026)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Jun 2026 Sale Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:78 B:103`

Property Details

APN / Parcel Number

Primary APN	`PALM M:78 B:103`
Alternative APN	`M:0078 L:000103`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	952 sqft Living Area
Gross Area	3,222 sqft
1st Floor Area	952 sqft
Attic	Attic
Attic Area	952 sqft
Basement Area	952 sqft
Unfinished Basement	952 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Street Address	63 CHARLES ST
City	THREE RIVERS
State	MA
Zip	01080-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	103
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1002
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	416 MONTEREY RD, GREAT BARRINGTON, MA 01230-1454
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Quit Claim Deed, Transfer
Nov 5, 2025	Quit Claim Deed, Transfer COMMERCIAL LENDER LLC
Nov 22, 2019	Warranty Deed, Transfer NOT AVAILABLE
Dec 19, 2018	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Nov 5, 2025 · Amount on Record
Deed Document Number	202624484
Deed Book / Page	26354 / 376
Prior Transfer Date	May 29, 2026
Prior Transfer Doc	026354-376
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Jun 1, 2026
Property Address	63 CHARLES ST, THREE RIVERS, MA 01080-1157
Document Number	026354-376
Book / Page	26354 / 376
Instrument Date	May 29, 2026
Instrument	202624484
Transaction Type	Transfer
Record Updated	Aug 29, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 MONTEREY RD, GREAT BARRINGTON, MA 01230-1454

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Nov 5, 2025
Property Address	63 CHARLES ST, THREE RIVERS, MA 01080-1157
Document Number	026098-111
Book / Page	26098 / 111
Instrument Date	Nov 4, 2025
Instrument	53019
Transaction Type	Transfer
Record Updated	Jun 23, 2026

Transaction

Amount	Amount Recorded
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	20 THAYER RD, MONSON, MA 01057-9444

Mortgage

Document Number	0000053020
Date	Nov 5, 2025
Instrument	53020

Lender

Name	COMMERCIAL LENDER LLC

Agreement

Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Nov 22, 2019
Property Address	63 CAROL ST, PALMER, MA 01069-1923
Document Number	22965-167
Book / Page	022965 / 000167
Instrument Date	Nov 13, 2019
Instrument	68843
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$227.85
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	833 MATIANUCK AVE WINDSOR CT 060953556, WINDSOR, CT 06095-3556

December 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	PALMER MA
Recording Date	Dec 19, 2018
Property Address	63 CAROL ST, PALMER, MA 01069-1923
Document Number	22489-523
Book / Page	022489 / 000523
Instrument Date	Dec 14, 2018
Instrument	75244
Transaction Type	Foreclosure
Record Updated	Jan 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$456.58
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 S LA SALLE ST #2000 CHICAGO IL 606051023, 2000, CHICAGO, IL 60605-1023

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	$3,615.00 (-3.73%)	$198,300 (-0.4%) Land $59,300 Building $139,000	$189,715 (-8.56%)
2024	$3,755.00 (+2.32%)	$199,100 (+6.99%) Land $53,900 Building $145,200	$207,480
2023	$3,670.00	$186,100 Land $53,900 Building $132,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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