103 Lorraine St, Chicopee, MA 01013 Property Records

Hampden County and Chicopee City property record for 103 Lorraine St, Chicopee, MA 01013

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,000 sqft · built 1940
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Mar 2025)
Tax Bill	$3,926 (2026)
Deeds & Mortgages	Mar 2025 Sale & Mortgage
Flood Zone	Zone X (reduced by levee)
APN	`276-00053`

Property Details

APN / Parcel Number

Primary APN	`276-00053`
Alternative APN	`CHIC M:0276 P:00053`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,497 sqft
1st Floor Area	800 sqft
Attic	Attic
Attic Area	800 sqft
Basement Area	800 sqft
Unfinished Basement	800 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1991
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	276-00053
Street Address	103 LORRAINE ST
City	CHICOPEE
State	MA
Zip	01013-1730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2016
Census Tract	811102

Owner

103 Lorraine St is owned by an individual who bought it in March 2025.

Source: Hampden County and Chicopee City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 STATE ST, CHICOPEE, MA 01013-2130
Owner Type	Individual
Vesting	Individual(s)

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2025 · Amount on File
Deed Sale	Mar 28, 2025 · Amount on File
Prior Sale	Dec 27, 2013 · Amount on File
Deed Book / Page	25808 / 221
Record Updated	Oct 29, 2026

March 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Mar 28, 2025
Property Address	103 LORRAINE ST, CHICOPEE, MA 01013-1730
Document Number	025808-221
Book / Page	25808 / 221
Instrument Date	Mar 28, 2025
Instrument	13707
Transaction Type	Transfer
Record Updated	Mar 13, 2026

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
Address	20 STATE ST, CHICOPEE, MA 01013-2130

Mortgage

Document Number	0000013708
Date	Mar 28, 2025
Instrument	13708

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Apr 1, 2037
Max Rate At Change	2.88%
Index	1-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 103 Lorraine St was $3,926, up 5.6% from the year before.

Source: Hampden County and Chicopee City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Chicopee City
Unified School District	Chicopee School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,926.00 (+5.62%)	$257,600 (+5.06%) Land $110,000 Building $147,600	$297,862 (+28.08%)
2025	$3,717.00 (+5.33%)	$245,200 (+2.55%) Land $100,700 Building $144,500	$232,560
2024	$3,529.00 (+6.46%)	$239,100 (+9.28%) Land $98,700 Building $140,400
2023	$3,315.00	$218,800 Land $89,700 Building $129,100

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

Flood

FEMA maps place 103 Lorraine St in Zone X, where a levee reduces flood risk, though there have been 1 flood claim nearby since 2024.

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 reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024 · 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

The area around 103 Lorraine St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHICOPEE WATER DEPT (MWRA) serves 55,560 people · EPA ID MA1061000
Water Source	Purchased surface water from MWRA
Last State Inspection	May 2025
Lead	2 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 441 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Crossroads Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20