14 Ralph Cir, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 14 Ralph Cir, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,836 sqft · built 2020
Lot Size	0.296 acres (12,880 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Sep 2025)
Tax Bill	$7,427 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`56-0018C`

Property Details

APN / Parcel Number

Primary APN	`56-0018C`
Alternative APN	`CHIC M:0056 P:0018C`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
Gross Area	6,036 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,880 sqft (0.296 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	56-0018C
Street Address	14 RALPH CIR
City	CHICOPEE
State	MA
Zip	01020-3362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2008
Census Tract	810700

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	48 MAPLE ST, CHICOPEE, MA 01020-2627
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit
Oct 14, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Sep 4, 2025	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 24, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EASTHAMPTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Sep 24, 2020 · Amount on Record
Deed Document Number	202541453
Deed Book / Page	26013 / 222
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Recording Date	Jun 22, 2026
Property Address	14 RALPH CIR, CHICOPEE, MA 01020-3362
Document Number	0000028342
Book / Page	26382 / 416
Instrument Date	Jun 13, 2026
Instrument	202628342
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RALPH CIR, CHICOPEE, MA 01020-3362

Mortgage

Document Number	0000028342,
Date	Jun 22, 2026
Book Page	26382/416
Instrument	202628342

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	14 RALPH CIR, CHICOPEE, MA 01020-3362
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024181-319
Date	Oct 14, 2021
Book Page	24181/319
Instrument	72616

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Sep 4, 2025
Property Address	14 RALPH CIR, CHICOPEE, MA 01020-3362
Document Number	026013-222
Book / Page	26013 / 222
Instrument Date	Sep 3, 2025
Instrument	41453
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	48 MAPLE ST, CHICOPEE, MA 01020-2627

Mortgage

Document Number	0000041454
Date	Sep 4, 2025
Instrument	41454

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Sep 24, 2020
Property Address	14 RALPH CIR, CHICOPEE, MA 01020-3362
Document Number	023437-359
Book / Page	23437 / 359
Instrument Date	Sep 15, 2020
Instrument	54312
Transaction Type	Transfer
Record Updated	Apr 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	KAVENEY ST, CHICOPEE, MA

Mortgage

Document Number	0000054313
Date	Sep 24, 2020
Instrument	54313

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$7,427.00 (+4.81%)	$489,900 (+2.04%) Land $45,900 Building $444,000	$412,870
2024	$7,086.00 (+8.22%)	$480,100 (+11.08%) Land $45,000 Building $435,100
2023	$6,548.00	$432,200 Land $40,900 Building $391,300

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	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

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

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 539 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Chicopee Municipal Lighting Plant Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile USA, Verizon, Xfinity.

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