138 Cochran St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 138 Cochran St, Chicopee, MA 01020

Property Summary

Property Type	Duplex
Details	7 bd · 2 ba · 2,431 sqft · built 1880
Lot Size	0.222 acres (9,650 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Jun 2017)
Tax Bill	$5,459 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`127-00051`

Property Details

APN / Parcel Number

Primary APN	`127-00051`
Alternative APN	`CHIC M:0127 P:00051`

Interior

Bedrooms	7 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,431 sqft Living Area
Gross Area	4,589 sqft
1st Floor Area	1,130 sqft
Attic	Attic
Attic Area	993 sqft
Basement Area	1,018 sqft
Unfinished Basement	1,018 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Other
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,650 sqft (0.222 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	127-00051
Street Address	138 COCHRAN ST
City	CHICOPEE
State	MA
Zip	01020-3439
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	4
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3006
Census Tract	810700

Owner

138 Cochran St, a duplex, is owned by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	140 COCHRAN ST, CHICOPEE, MA 01020-3439
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
Jun 24, 2025	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 16, 2017	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GRP
May 2, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2017 · Amount on File
Deed Sale	Jun 16, 2017 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Book / Page	21724 / 452
Transfer Doc	021724-452
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	138 COCHRAN ST, CHICOPEE, MA 01020-3439
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025912-239
Date	Jun 24, 2025
Book Page	25912/239
Instrument	28023

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2055

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Jun 16, 2017
Property Address	138 COCHRAN ST, CHICOPEE, MA 01020-3439
Document Number	21724-452
Book / Page	21724 / 452
Instrument	33326
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30.33
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 COCHRAN ST, CHICOPEE, MA 01020-3439

Mortgage

Document Number	217240455
Date	Jun 16, 2017
Instrument	21724/0455

Lender

Name	RADIUS FINANCIAL GRP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 16, 2047

May 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHICOPEE MA
Recording Date	May 2, 2017
Property Address	138 COCHRAN ST, CHICOPEE, MA 01020-3439
Document Number	21664-270
Book / Page	021664 / 000270
Instrument Date	Apr 28, 2017
Instrument	23915
Transaction Type	Foreclosure
Record Updated	May 23, 2017

Transaction

Amount	Amount on Record
Tax	$581.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

Tax Assessment & Valuation

The 2026 property tax bill for 138 Cochran St was $5,459, up 9.8% 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	$5,459.00 (+9.75%)	$358,200 (+9.17%) Land $97,400 Building $260,800	$382,813
2025	$4,974.00 (+5.61%)	$328,100 (+2.82%) Land $89,100 Building $239,000
2024	$4,710.00 (+6.73%)	$319,100 (+9.54%) Land $87,300 Building $231,800
2023	$4,413.00	$291,300 Land $79,400 Building $211,900

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

Flood

FEMA maps place 138 Cochran St in Zone X, an area of minimal flood risk.

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

The area around 138 Cochran 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 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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