82 Belchertown St, Three Rivers, MA 01080 Property Records

Hampden County and Palmer Town City property record for 82 Belchertown St, Three Rivers, MA 01080

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,564 sqft · built 1900
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$196,000 (Apr 2021)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`PALM M:77 B:15`

Property Details

APN / Parcel Number

Primary APN	`PALM M:77 B:15`
Alternative APN	`M:0077 L:000015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,564 sqft Living Area
Gross Area	3,672 sqft
1st Floor Area	782 sqft
Attic	Attic
Attic Area	782 sqft
Basement Area	782 sqft
Unfinished Basement	782 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Street Address	82 BELCHERTOWN ST
City	THREE RIVERS
State	MA
Zip	01080-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Block	15
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	2
Census Block	2002
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	82 BELCHERTOWN ST, THREE RIVERS, MA 01080-1053
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Apr 23, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2021 · Amount on Record
Deed Sale	Apr 23, 2021 · Amount on Record
Deed Document Number	202127502
Deed Book / Page	23840 / 197
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	82 BELCHERTOWN ST, THREE RIVERS, MA 01080-1053
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025975-27
Date	Aug 6, 2025
Book Page	25975/27
Instrument	36269

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

Interest

Rate Type	Adjustable Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Apr 23, 2021
Property Address	82 BELCHERTOWN ST, THREE RIVERS, MA 01080-1053
Document Number	23840-197
Book / Page	23840 / 197
Instrument Date	Apr 23, 2021
Instrument	27502
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	82 BELCHERTOWN ST, PALMER, MA

Mortgage

Document Number	27503
Date	Apr 23, 2021
Instrument	27503

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,191.00 (+9.43%)	$229,900 (+13.2%) Land $70,700 Building $159,200	$339,340 (+12.5%)
2024	$3,830.00 (+2.05%)	$203,100 (+6.73%) Land $64,200 Building $138,900	$301,625
2023	$3,753.00	$190,300 Land $64,200 Building $126,100

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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