Hampden County and Springfield City property record for 186 Chapin Ter, Springfield, MA 01104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,335 sqft · built 1953 |
| Lot Size | 0.186 acres (8,107 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Sep 2005) |
| Tax Bill | $3,975 (2026) |
| Deeds & Mortgages | Sep 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:02640 P:0040 |
| Primary APN | SPRI S:02640 P:0040 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,335 sqft Living Area |
| 1st Floor Area | 1,295 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 8,107 sqft (0.186 acres) |
| Garage Type | Detached |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 26400040 |
|---|---|
| Street Address | 186 CHAPIN TER |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01104-1837 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 800500 |
186 Chapin Ter is owned and occupied by an individual who bought it in September 2005.
Source: Hampden County and Springfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 186 CHAPIN TER, SPRINGFIELD, MA 01104-1837 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2005 · Amount on File |
| Deed Sale | Sep 30, 2005 · Amount on File |
| Prior Sale | Jun 29, 1990 · Amount on File |
| Deed Document Number | 2005155502 |
| Deed Book / Page | 15377 / 294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 186 CHAPIN TER, SPRINGFIELD, MA 01104-1837 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23432-84 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | 23432/84 |
| Instrument | 53438 |
| Name | BRIDGEWATER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2026 property tax bill for 186 Chapin Ter was $3,975, up 9.5% from the year before.
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,975.00 (+9.5%) | $257,100 (+11.06%) Land $31,600 Building $225,500 | $267,748 (+4.46%) |
| 2025 | $3,630.00 | $231,500 Land $31,600 Building $199,900 | $256,310 (-5.3%) |
| 2024 | $270,655 | ||
| 2023 | $3,318.00 | $194,600 Land $28,800 Building $165,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 186 Chapin Ter 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.
The area around 186 Chapin Ter 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 574 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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