91 State St, Palmer, MA 01069 Property Records

Hampden County and Palmer Town City property record for 91 State St, Palmer, MA 01069

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,524 sqft · built 1960
Lot Size	1.89 acres (82,328 sqft)
Owner	2 Individual Names on File
Last Sale	$218,000 (Feb 2018)
Tax Bill	$6,783 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Mar 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`PALM M:87 B:50`

Property Details

APN / Parcel Number

Primary APN	`PALM M:87 B:50`
Alternative APN	`M:0087 L:000050`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	3,892 sqft
1st Floor Area	1,524 sqft
Basement Area	1,524 sqft
Unfinished Basement	834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,328 sqft (1.89 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	91 STATE ST
City	PALMER
State	MA
Zip	01069
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TR
Legal Block	50
Jurisdiction	PALMER MA
Township / Civil Division	PALMER TOWN
Census Block Group	1
Census Block	1001
Census Tract	810200

Owner

91 State St is owned by two individuals who bought it in February 2018.

Source: Hampden County and Palmer Town City records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 43, BONDSVILLE, MA 01009-0043
Owner Type	Individual

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
Jun 4, 2025	Deed of Trust, Mortgage · Line of Credit NORTH BROOKFIELD SAVINGS BANK
Mar 25, 2020	Deed of Trust, Mortgage · VA Mortgage BAYSHORE MORTGAGE FUNDING
Jul 10, 2018	Quit Claim Deed, Transfer Quitclaim
Feb 2, 2018	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on File
Deed Sale	Feb 2, 2018 · Amount on File
Deed Document Number	20186302
Deed Book / Page	22050 / 359
Record Updated	Sep 20, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	91 STATE ST, PALMER, MA 01069
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025888-97
Date	Jun 4, 2025
Book Page	25888/97

Lender

Name	NORTH BROOKFIELD SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PALMER MA
Property Address	91 STATE ST, PALMER, MA 01069
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23141-228
Date	Mar 25, 2020
Book Page	23141/228
Instrument	15755

Lender

Name	BAYSHORE MORTGAGE FUNDING

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	PALMER MA
Recording Date	Jul 10, 2018
Property Address	91 STATE ST, PALMER, MA 01069
Document Number	22257-571
Book / Page	022257 / 000571
Instrument Date	Jun 8, 2018
Instrument	39360
Transaction Type	Transfer
Record Updated	Jul 31, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 STATE ST PALMER MA 01069, PALMER, MA 01069

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PALMER MA
Recording Date	Feb 2, 2018
Property Address	91 STATE ST, PALMER, MA 01069
Document Number	22050-359
Book / Page	022050 / 000359
Instrument Date	Feb 1, 2018
Instrument	6302
Transaction Type	Transfer
Record Updated	Feb 20, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,013.70
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	55 CELANGER ST THREE RIVERS MA 01080, THREE RIVERS, MA 01080

Mortgage

Document Number	22050-362
Date	Feb 2, 2018
Book Page	022050/000362
Instrument	6303

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 91 State St was $6,783, up 7.6% from the year before.

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	$6,783.00 (+7.56%)	$357,200 (+9.94%) Land $70,000 Building $287,200	$370,025 (+10.28%)
2024	$6,306.00 (+2.72%)	$324,900 (+7.55%) Land $63,900 Building $261,000	$335,540
2023	$6,139.00	$302,100 Land $63,900 Building $238,200

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

Flood

FEMA maps place 91 State 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

Wildfire risk around 91 State 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	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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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