95 Silver St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 95 Silver St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,136 sqft · built 1959
Lot Size	6.15 acres (267,912 sqft)
Owner	2 Individual Names on File
Last Sale	$349,900 (Mar 2018)
Tax Bill	$7,460 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 184,185`

Property Details

APN / Parcel Number

Primary APN	`MAP 184,185`
Alternative APN	`WILB M:10800 B:40 L:4389`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area
Gross Area	5,212 sqft
1st Floor Area	1,304 sqft
Basement Area	1,304 sqft
Unfinished Basement	1,304 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	267,912 sqft (6.15 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	MAP 184, 185
Street Address	95 SILVER ST
City	WILBRAHAM
State	MA
Zip	01095-9801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R60
Legal Block	40
Legal Lot Number	4389
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	1
Census Block	1003
Census Tract	813602

Owner

95 Silver St is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	95 SILVER ST, WILBRAHAM, MA 01095-9801
Occupancy	Owner Occupied
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
Jul 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL
May 21, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP
Mar 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Mar 30, 2018	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2018 · Amount on File
Deed Sale	Mar 30, 2018 · Amount on File
Deed Document Number	201816532
Deed Book / Page	22113 / 238
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Recording Date	Jul 9, 2026
Property Address	95 SILVER ST, WILBRAHAM, MA 01095-9801
Document Number	0000031916
Book / Page	26409 / 591
Instrument Date	Jun 25, 2026
Instrument	202631916
Transaction Type	Mortgage
Record Updated	Jul 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 SILVER ST, WILBRAHAM, MA 01095-9801

Mortgage

Document Number	0000031916,
Date	Jul 9, 2026
Book Page	26409/591
Instrument	202631916

Lender

Name	CARDINAL FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	95 SILVER ST, WILBRAHAM, MA 01095-9801
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023895-164
Date	May 21, 2021
Book Page	23895/164
Instrument	34912

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	95 SILVER ST, WILBRAHAM, MA 01095-9801
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23123-301
Date	Mar 11, 2020
Book Page	23123/301
Instrument	13467

Lender

Name	ENVISION BANK

Agreement

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

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Mar 30, 2018
Property Address	95 SILVER ST, WILBRAHAM, MA 01095-9801
Document Number	22113-238
Book / Page	022113 / 000238
Instrument Date	Mar 30, 2018
Instrument	16532
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	$1,627.04
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1 CYNTHIA CIR ENFIELD CT 060823022, ENFIELD, CT 06082-3022

Mortgage

Document Number	22113-240
Date	Mar 30, 2018
Book Page	022113/000240
Instrument	16533

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 95 Silver St was $7,460, up 2.3% 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	$7,460.00 (+2.29%)	$427,500 (+4.81%) Land $91,500 Building $336,000	$497,527 (-14.31%)
2025	$7,293.00 (+12.34%)	$407,900 (+16.24%) Land $91,500 Building $316,400	$580,640 (+5.67%)
2024	$6,492.00 (+6.81%)	$350,900 (+7.97%) Land $91,500 Building $259,400	$549,480
2023	$6,078.00	$325,000 Land $91,500 Building $233,500

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

Flood

FEMA maps place 95 Silver 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	2 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 95 Silver 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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