11 Garrity St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 11 Garrity St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1910
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Dec 2020)
Tax Bill	$3,973 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`283-00004`

Property Details

APN / Parcel Number

Primary APN	`283-00004`
Alternative APN	`CHIC M:0283 P:00004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
Gross Area	1,953 sqft
1st Floor Area	882 sqft
Basement Area	416 sqft
Unfinished Basement	416 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	283-00004
Street Address	11 GARRITY ST
City	CHICOPEE
State	MA
Zip	01020-1425
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	6
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2047
Census Tract	810601

Owner

11 Garrity St is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	11 GARRITY ST, CHICOPEE, MA 01020-1425
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
Oct 15, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 31, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK OF RHODE ISLAND
Mar 20, 2018	Quit Claim Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2020 · Amount on File
Deed Sale	Dec 31, 2020 · Amount on File
Prior Sale	Mar 20, 2018 · Amount on File
Deed Book / Page	23624 / 335
Prior Transfer Date	Dec 23, 2020
Prior Transfer Doc	23624-335
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	11 GARRITY ST, CHICOPEE, MA 01020-1425
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026068-183
Date	Oct 15, 2025
Book Page	26068/183
Instrument	48961

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Dec 31, 2020
Property Address	11 GARRITY ST, CHICOPEE, MA 01020-1425
Document Number	23624-335
Book / Page	23624 / 335
Instrument Date	Dec 23, 2020
Instrument	79659
Transaction Type	Transfer
Record Updated	May 11, 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	Joint Tenants
Address	241 ESSES ST #4L # 4L, 4L, HOLYOKE, MA 01040-4041

Mortgage

Document Number	79660
Date	Dec 31, 2020
Instrument	79660

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Mar 20, 2018
Property Address	11 GARRITY ST, CHICOPEE, MA 01020-1425
Document Number	22100-131
Book / Page	22100 / 131
Instrument	14339
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 GARRITY ST, CHICOPEE, MA 01020-1425

Mortgage

Document Number	221000133
Date	Mar 20, 2018
Instrument	22100/0133

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 20, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 11 Garrity St was $3,973, up 6.1% 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	$3,973.00 (+6.09%)	$260,700 (+5.55%) Land $121,900 Building $138,800	$286,422 (-1.31%)
2025	$3,745.00 (+5.37%)	$247,000 (+2.57%) Land $111,200 Building $135,800	$290,225
2024	$3,554.00 (+6.79%)	$240,800 (+9.6%) Land $109,000 Building $131,800
2023	$3,328.00	$219,700 Land $99,000 Building $120,700

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

Flood

FEMA maps place 11 Garrity 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 11 Garrity St is low, with less than 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 94% of the US · lower than 86% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 398 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
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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