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Single Family ResidenceResidential
$432,473$271 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $335,000 on Aug 3, 2022

109 RIVER ST

PALMER, MA 01069
4
Beds
2
Baths
1,596 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1.37 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$432K
$412K low$453K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$335,000 · Aug 3, 2022
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$117,473
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$93,978
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.74%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$315,000
JPMORGAN CHASE BANK NA · P · recorded Aug 3, 2022

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,855 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$375,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$307,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$340,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$343,900

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Cape Cod
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.1.37
ConstructionThe main material the home's frame and walls are built from.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck

Transaction History(9)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Palmer High SchoolC+
Middle · Grades 7–12 · 0.9 mi
E
Old Mill PondD+
Elementary · Grades PK–6 · 1.1 mi

District: Palmer School District

Neighborhood · ZIP 01069These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.111
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.94
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.61

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.8%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.10,418
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.344 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,410
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94,368
Average tempThe average temperature here across a full year.47°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Palmer 01069
  • Costs more per square foot than 69% of homes in Hampden County
  • Has a bigger lot than 87% of homes in Hampden County
  • Newer than 94% of homes in Hampden County

What homes are worth in Palmer 01069

Each bar is how many homes fall in that price range. The marker is this home.

This home
$197K$630K

This home is worth more than 78% of homes in Palmer 01069.

How it measures up in Palmer 01069

The dot is this home. The mark in the middle is the typical home in Palmer 01069.

Estimated value$432,473
CheaperTypical $349,072Pricier

Pricier than 78% of homes nearby

Price per ft²$271
CheaperTypical $247Pricier

Pricier than 66% of homes nearby

Living area1,596 ft²
SmallerTypical 1,476 ft²Bigger

Bigger than 57% of homes nearby

Lot size1.37 ac
SmallerTypical 0.64 acBigger

Bigger than 76% of homes nearby

Year built2002
OlderTypical 1962Newer

Newer than 93% of homes nearby

How 109 River St ranks against every home in each area.
MeasureThis homePalmer 01069Hampden County
Estimated valuepricier than$432,47378% of homes75% of homes
Price per ft²pricier than$27166% of homes69% of homes
Living areabigger than1,596 ft²57% of homes53% of homes
Lot sizebigger than1.37 ac76% of homes87% of homes
Year builtnewer than200293% of homes94% of homes

About 109 River St

How much is 109 River St, Palmer, MA worth?

The TopHap Estimate for 109 River St, Palmer, MA is $432,473 as of Jul 14, 2026. The likely range is $411,689 to $453,258. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River St, Palmer, MA last sell?

109 River St, Palmer, MA last sold on Aug 3, 2022 for $335,000, according to the county's recorded deed. TopHap holds 5 recorded sales for this parcel.

How big is 109 River St, Palmer, MA?

109 River St, Palmer, MA has 4 bedrooms, 2 bathrooms, 1,596 square feet of living space and a 1.37-acre lot.

When was 109 River St, Palmer, MA built?

109 River St, Palmer, MA was built in 2002, making it 24 years old. It is a cape cod home. The building has 2 stories.

What schools serve 109 River St, Palmer, MA?

109 River St, Palmer, MA is assigned to Palmer High School (middle), rated C+; Old Mill Pond (elementary), rated D+. All sit in Palmer School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 River St, Palmer, MA compare to other homes in Palmer 01069?

Among the 3,193 homes in Palmer 01069, it is worth more than 78% of them ($432,473 against a typical $349,072), its price per square foot is higher than 66% of them ($271 against a typical $247), it is bigger than 57% of them (1,596 ft² against a typical 1,476 ft²), its lot is bigger than 76% of them (1.37 ac against a typical 0.64 ac) and it is newer than 93% of them (2002 against a typical 1962). Measured against all of Hampden County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 River St, Palmer, MA?

The 2025 property tax bill for 109 River St, Palmer, MA was $6,855. The county assessed it at $375,000.

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Assigned schools

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