965 Main St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 965 Main St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,072 sqft · built 1981
Lot Size	0.826 acres (35,960 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Jul 2025)
Tax Bill	$8,596 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 85`

Property Details

APN / Parcel Number

Primary APN	`MAP 85`
Alternative APN	`WILB M:7000 B:791 L:2881`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,072 sqft Living Area
Gross Area	3,468 sqft
1st Floor Area	1,172 sqft
Basement Area	864 sqft
Unfinished Basement	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Colonial
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	35,960 sqft (0.826 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	MAP 85
Street Address	965 MAIN ST
City	WILBRAHAM
State	MA
Zip	01095-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	34
Legal Subdivision	LEONARD MASCARO
Legal Block	791
Legal Lot Number	2881
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	3
Census Block	3025
Census Tract	813602

Owner

965 Main St is owned by two individuals who bought it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	326 STEBBINS ST, BELCHERTOWN, MA 01007-9343
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 12, 2021	Deed of Trust, Mortgage · FHA Mortgage ZILLOW HOME LOANS LLC
Jul 25, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Oct 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN EAGLE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Prior Sale	Oct 15, 2021 · Amount on File
Deed Document Number	202533934
Deed Book / Page	25956 / 558
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	965 MAIN ST, WILBRAHAM, MA 01095-2621
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023818-186
Date	Apr 12, 2021
Book Page	23818/186
Instrument	24441

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Jul 25, 2025
Property Address	965 MAIN ST, WILBRAHAM, MA 01095-2621
Document Number	025956-558
Book / Page	25956 / 558
Instrument Date	Jul 25, 2025
Instrument	33934
Transaction Type	Transfer
Record Updated	Nov 25, 2025

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	326 STEBBINS ST, BELCHERTOWN, MA 01007-9343

Mortgage

Document Number	0000033935
Date	Jul 25, 2025
Instrument	33935

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Oct 15, 2021
Property Address	965 MAIN ST, WILBRAHAM, MA 01095-2621
Document Number	24185-286
Book / Page	24185 / 286
Instrument Date	Oct 15, 2021
Instrument	73193
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	89 RAVENS CROFT RD, VERNON, CT 06066-6015

Mortgage

Document Number	73194
Date	Oct 15, 2021
Instrument	73194

Lender

Name	AMERICAN EAGLE FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 965 Main St was $8,596, up 0.2% 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	$8,596.00 (+0.16%)	$492,600 (+2.63%) Land $84,500 Building $408,100	$552,691 (-3.55%)
2025	$8,582.00 (+0.87%)	$480,000 (+4.37%) Land $84,500 Building $395,500	$573,040 (+39.34%)
2024	$8,508.00 (+7.94%)	$459,900 (+9.11%) Land $84,500 Building $375,400	$411,255
2023	$7,882.00	$421,500 Land $84,500 Building $337,000

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

Flood

FEMA maps place 965 Main St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	4 in force
Nearby Flood Claims	4 (1978–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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 965 Main 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 69 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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