115 Watson St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 115 Watson St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,802 sqft · built 1955
Lot Size	0.228 acres (9,948 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (May 2015)
Tax Bill	$4,923 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Aug 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`86-00027`

Property Details

APN / Parcel Number

Primary APN	`86-00027`
Alternative APN	`CHIC M:0086 P:00027`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,802 sqft Living Area
Gross Area	4,300 sqft
1st Floor Area	1,092 sqft
Attic	Attic
Attic Area	464 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,948 sqft (0.228 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	86-00027
Street Address	115 WATSON ST
City	CHICOPEE
State	MA
Zip	01020-3407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	4
Census Block	4004
Census Tract	810700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	115 WATSON ST, CHICOPEE, MA 01020-3407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Aug 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
May 16, 2018	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2015 · Amount on Record
Deed Sale	May 12, 2015 · Amount on Record
Prior Sale	Apr 3, 2009 · Amount on Record
Deed Book / Page	20699 / 539
Transfer Doc	22174-407
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	115 WATSON ST, CHICOPEE, MA 01020-3407
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025095-38
Date	Jul 28, 2023
Book Page	25095/38
Instrument	34739

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	115 WATSON ST, CHICOPEE, MA 01020-3407
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024057-158
Date	Aug 12, 2021
Book Page	24057/158
Instrument	56583

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	115 WATSON ST, CHICOPEE, MA 01020-3407
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24057-158
Date	Aug 12, 2021
Book Page	24057/158
Instrument	56583

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	May 16, 2018
Property Address	115 WATSON ST, CHICOPEE, MA 01020-3407
Document Number	22174-407
Book / Page	22174 / 407
Instrument	26561
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$34.39
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 WATSON ST, CHICOPEE, MA 01020-3407

Mortgage

Document Number	22174-411
Date	May 16, 2018
Book Page	22174/411
Instrument	26562

Lender

Name	RADIUS FINANCIAL GRP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

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	$4,923.00 (+7.61%)	$323,000 (+7.02%) Land $109,700 Building $213,300	$364,635 (+38.27%)
2025	$4,575.00 (+5.46%)	$301,800 (+2.69%) Land $100,400 Building $201,400	$263,720
2024	$4,338.00 (+4.38%)	$293,900 (+7.15%) Land $98,500 Building $195,400
2023	$4,156.00	$274,300 Land $89,500 Building $184,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 638 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Crossroads Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Xfinity.

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