198 Ames Rd, Hampden, MA 01036 Property Records

Hampden County and Hampden Town property record for 198 Ames Rd, Hampden, MA 01036

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,338 sqft · built 1900
Lot Size	1.37 acres (60,026 sqft)
Owner	Trust Name on File
Last Sale	$275,000 (Jul 2023)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jul 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`HAMP M:0029 B:0038 L:0`

Property Details

APN / Parcel Number

Primary APN	`HAMP M:0029 B:0038 L:0`
Alternative APN	`1635`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
Gross Area	3,498 sqft
Basement Area	1,004 sqft
Unfinished Basement	1,004 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,026 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1635
Street Address	198 AMES RD
City	HAMPDEN
State	MA
Zip	01036-9109
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Block	38
Jurisdiction	HAMPDEN MA
Township / Civil Division	HAMPDEN
Census Block Group	2
Census Block	2000
Census Tract	813500

Owner

198 Ames Rd is held in a trust since July 2023.

Source: Hampden County and Hampden Town records, as of September 29, 2026

Owner of Record	Trust Name on File
Mailing Address	742 MONSON RD, WILBRAHAM, MA 01095-2347
Owner Type	Company
Vesting	Trust

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
Mar 25, 2024	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Jul 25, 2023	Deed, Transfer
Sep 16, 2022	Deed, Transfer · ARM COUNTRY BANK
Apr 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU
Mar 15, 2017	Deed of Trust, Mortgage POLISH NATIONAL CU
Apr 23, 2020	Deed of Trust, Mortgage · Balloon Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Prior Sale	Sep 30, 2015 · Amount on File
Prior Transfer Date	Sep 16, 2022
Prior Transfer Doc	0024728-16
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN MA
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025360-189
Date	Mar 25, 2024
Book Page	25360/189
Instrument	12380

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMPDEN MA
Recording Date	Jul 25, 2023
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Document Number	025090-455
Book / Page	25090 / 455
Instrument Date	Jul 25, 2023
Instrument	34005
Transaction Type	Transfer
Record Updated	Aug 11, 2023

Transaction

Amount	Amount 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	742 MONSON RD, WILBRAHAM, MA 01095-2347

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HAMPDEN MA
Recording Date	Sep 16, 2022
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Document Number	0024728-14
Book / Page	24728 / 14
Instrument Date	Sep 16, 2022
Instrument	55988
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 AMES RD, HAMPDEN, MA 01036-9109

Mortgage

Document Number	0024728-16
Date	Sep 16, 2022
Book Page	24728/16
Instrument	55989

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.88%
Type Change Date	Oct 1, 2032
Index	1-Year CMT

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN MA
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Transaction Type	Mortgage
Record Updated	Apr 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23817-559
Date	Apr 12, 2021
Book Page	23817/559
Instrument	24407

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN MA
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21600-553
Date	Mar 15, 2017
Book Page	21600/553
Instrument	13360

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN MA
Property Address	198 AMES RD, HAMPDEN, MA 01036-9109
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23180-59
Date	Apr 23, 2020
Book Page	23180/59
Instrument	20524

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 198 Ames Rd was $4,790, down 6.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Hampden Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,790.00 (-6.21%)	$317,400 (-2.67%) Land $85,700 Building $231,700	$311,695
2024	$5,107.00 (-21.79%)	$326,100 (-15.76%) Land $77,400 Building $248,700
2023	$6,530.00	$387,100 Land $161,200 Building $225,900

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

Flood

FEMA maps place 198 Ames Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2001.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2001–2005)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 198 Ames Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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