Hampden County and Chicopee City property record for 195 Royal St, Chicopee, MA 01020 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1979 |
| Square Footage | 1,936 sqft Living Area |
| Lot Size | 25,920 sqft (0.595 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $361,500 (2019) |
| Tax Bill | $7,256.00 (2025) |
| Primary APN | 709-00039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,936 sqft Living Area |
| Gross Area | 5,590 sqft Gross Area |
| 1st Floor | 1,168 sqft 1st Floor |
| Basement Area | 800 sqft Basement |
| Unfinished Basement | 800 sqft Unfinished |
| Game Room | Game Room |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Ranch Style |
| Exterior Material | Adobe Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 25,920 sqft (0.595 acres) |
| Garage Type | Carport Garage |
| Carport | Carport |
| Deck Area | Deck Area |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 709-00039 |
|---|---|
| Street Address | 195 ROYAL ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01020-4251 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Jurisdiction | CHICOPEE MA |
| Minor Civil Division | CHICOPEE |
| Census Blockgroup | 4 |
| Census Block | 4000 |
| Census Tract | 811302 |
Source: Hampden County and Chicopee City records · APN 709-00039
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 195 ROYAL ST, CHICOPEE, MA 01020-4251 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 08, 2026 | Deed of Trust, Mortgage · Line of Credit SERVICE 1 FEDERAL CREDIT UNION |
| Sep 30, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FIRST GUARANTY MORTGAGE |
| Nov 08, 2019 | Quit Claim Deed, Transfer · Veterans Administration Mortgage EMBRACE HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 08, 2019 · Amount on Record |
| Deed Sale | Nov 08, 2019 · Amount on Record |
| Prior Sale | Apr 06, 2001 · Amount on Record |
| Deed Doc Number | 201965853 |
| Deed Book / Page | 22944 / 114 |
| Transfer Doc | 1024000201 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Jun 08, 2026 |
| Property Address | 195 ROYAL ST, CHICOPEE, MA 01020-4251 |
| Document Number | 0000025607 |
| Book / Page | 26363 / 6 |
| Instrument Date | Jun 01, 2026 |
| Instrument | 202625607 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 195 ROYAL ST, CHICOPEE, MA 01020-4251 |
| Document Number | 00026363-6, |
|---|---|
| Date | Jun 08, 2026 |
| Book Page | 26363/6 |
| Instrument | 202625607 |
| Name | SERVICE 1 FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 195 ROYAL ST, CHICOPEE, MA 01020-4251 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23450-334 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 23450/334 |
| Instrument | 55948 |
| Name | FIRST GUARANTY MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Nov 08, 2019 |
| Property Address | 195 ROYAL ST, CHICOPEE, MA 01020-4251 |
| Document Number | 22944-114 |
| Book / Page | 022944 / 000114 |
| Instrument Date | Nov 05, 2019 |
| Instrument | 65853 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.98 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 17 SOUTH ST CHICOPEE MA 010136205, CHICOPEE, MA 01013-6205 |
| Document Number | 22944-116 |
|---|---|
| Date | Nov 08, 2019 |
| Book Page | 022944/000116 |
| Instrument | 65854 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 07, 2049 |
Source: Hampden County and Chicopee City records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Chicopee City |
| Unified School District | Chicopee School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,256.00 (+5.5%) | $478,600 (+2.7%) Land $119,600 Building $359,000 | $495,045 |
| 2024 | $6,878.00 (+7.59%) | $466,000 (+10.43%) Land $117,300 Building $348,700 | |
| 2023 | $6,393.00 | $422,000 Land $106,600 Building $315,400 |
195 Royal St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Hampden County (25013C), updated June 7, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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