14 Kowal Dr, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 14 Kowal Dr, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,949 sqft · built 1983
Lot Size	0.287 acres (12,500 sqft)
Owner	Individual Name on File
Last Sale	$238,000 (Jun 2020)
Tax Bill	$6,184 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jul 2019 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`409-00039`

Property Details

APN / Parcel Number

Primary APN	`409-00039`
Alternative APN	`CHIC M:0409 P:00039`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,949 sqft Living Area
Gross Area	3,804 sqft
1st Floor Area	1,152 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft
Game Room	Game Room

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,500 sqft (0.287 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	409-00039
Street Address	14 KOWAL DR
City	CHICOPEE
State	MA
Zip	01020-4939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	1
Census Block	1001
Census Tract	810602

Owner

14 Kowal Dr is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	14 KOWAL DR, CHICOPEE, MA 01020-4939
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
Jun 5, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB
Jul 2, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on File
Deed Sale	Jun 5, 2020 · Amount on File
Prior Sale	Jul 2, 2019 · Amount on File
Deed Document Number	202029112
Deed Book / Page	23246 / 457
Prior Transfer Date	Jul 1, 2019
Prior Transfer Doc	22739-544
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Jun 5, 2020
Property Address	14 KOWAL DR, CHICOPEE, MA 01020-4939
Document Number	23246-457
Book / Page	23246 / 457
Instrument Date	Apr 20, 2020
Instrument	29112
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
Address	244 ARCADIA BLVD, SPRINGFIELD, MA 01118-1016

Mortgage

Document Number	29113
Date	Jun 5, 2020
Instrument	29113

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	CHICOPEE MA
Recording Date	Jul 2, 2019
Property Address	14 KOWAL DR, CHICOPEE, MA 01020-4939
Document Number	22739-544
Book / Page	022739 / 000544
Instrument Date	Jul 1, 2019
Instrument	36221
Transaction Type	Foreclosure
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,395.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	400 S LA SALLE ST #2000 CHICAGO IL 606051023, 2000, CHICAGO, IL 60605-1023
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 14 Kowal Dr was $6,184, up 4.7% 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	$6,184.00 (+4.67%)	$405,800 (+4.13%) Land $129,400 Building $276,400	$424,853 (+4.2%)
2025	$5,908.00 (+5.44%)	$389,700 (+2.66%) Land $117,200 Building $272,500	$407,740
2024	$5,603.00 (+6.95%)	$379,600 (+9.77%) Land $114,900 Building $264,700
2023	$5,239.00	$345,800 Land $104,400 Building $241,400

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

Flood

FEMA maps place 14 Kowal Dr 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

Wildfire risk around 14 Kowal Dr is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 189 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

Cell Coverage

5G (outdoors only) and 4G LTE

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