85 Three Rivers Rd, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 85 Three Rivers Rd, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,556 sqft · built 1974
Lot Size	5.69 acres (247,874 sqft)
Owner	Company Name on File
Last Sale	$325,000 (Mar 2018)
Tax Bill	$7,385 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 161 182`

Property Details

APN / Parcel Number

Primary APN	`MAP 161 182`
Alternative APN	`WILB M:11450 B:33 L:5184`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,556 sqft Living Area
Gross Area	3,184 sqft
1st Floor Area	1,556 sqft
Basement Area	264 sqft
Unfinished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	247,874 sqft (5.69 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	MAP 161 182
Street Address	85 THREE RIVERS RD
City	WILBRAHAM
State	MA
Zip	01095-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Block	33
Legal Lot Number	5184
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	4
Census Block	4014
Census Tract	813601

Owner

85 Three Rivers Rd is owned by a company that bought it in March 2018.

Source: Hampden County and Wilbraham Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	480 MAIN ST, HAMPDEN, MA 01036-9697
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2017	Deed of Trust, Mortgage · Commercial Mortgage MONSON SAVINGS BANK
Jun 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Mar 29, 2018	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2018 · Amount on File
Deed Sale	Mar 29, 2018 · Amount on File
Prior Sale	Jan 4, 2017 · Amount on File
Deed Book / Page	22111 / 42
Transfer Doc	21521-254
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	85 THREE RIVERS RD, WILBRAHAM, MA 01095-1219
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	021546-492
Date	Jan 25, 2017
Book Page	21546/492
Instrument	4566

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	85 THREE RIVERS RD, WILBRAHAM, MA 01095-1219
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023268-383
Date	Jun 19, 2020
Book Page	23268/383
Instrument	31977

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Mar 29, 2018
Property Address	85 THREE RIVERS RD, WILBRAHAM, MA 01095-1219
Document Number	22111-42
Book / Page	022111 / 000042
Instrument Date	Mar 28, 2018
Instrument	16236
Transaction Type	Transfer
Record Updated	Apr 17, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,511.25
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	18 CALKINS AVE EAST LONGMEADOW MA 010282347, EAST LONGMEADOW, MA 01028-2347

Mortgage

Document Number	22111-44
Date	Mar 29, 2018
Book Page	022111/000044
Instrument	16237

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 28, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 85 Three Rivers Rd was $7,385, up 2.6% from the year before.

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	$7,385.00 (+2.6%)	$423,200 (+5.12%) Land $102,900 Building $320,300	$368,752 (-19.17%)
2025	$7,198.00 (+6.48%)	$402,600 (+10.18%) Land $109,000 Building $293,600	$456,190 (+10.62%)
2024	$6,760.00 (+5.46%)	$365,400 (+6.59%) Land $109,000 Building $256,400	$412,395
2023	$6,410.00	$342,800 Land $109,000 Building $233,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 85 Three Rivers Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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 Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2021 · rainfall accumulation

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

Wildfire risk around 85 Three Rivers Rd 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	Direct burnable vegetation

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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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