Hampden County and Chicopee City property record for 20 Stearns Ter, Chicopee, MA 01013
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,741 sqft · built 1925 |
| Lot Size | 0.11 acres (4,782 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $265,000 (Aug 2021) |
| Tax Bill | $4,359 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-00011 |
| Primary APN | 48-00011 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,741 sqft Living Area |
| Gross Area | 3,046 sqft |
| 1st Floor Area | 903 sqft |
| Basement Area | 903 sqft |
| Unfinished Basement | 903 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,782 sqft (0.11 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | 48-00011 |
|---|---|
| Street Address | 20 STEARNS TER |
| City | CHICOPEE |
| State | MA |
| Zip | 01013-2524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 810902 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Springfield Street Historic District listed 1991 · 167 contributing resources · NRIS 90002217 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hampden County and Chicopee City records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 20 STEARNS TER, CHICOPEE, MA 01013-2524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Aug 27, 2021 | Quit Claim Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| May 29, 2019 | Quit Claim Deed, Transfer · VA Mortgage FINANCE AMERICA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 27, 2021 · Amount on Record |
| Deed Sale | Aug 27, 2021 · Amount on Record |
| Prior Sale | May 29, 2019 · Amount on Record |
| Deed Document Number | 202160190 |
| Deed Book / Page | 24083 / 572 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 20 STEARNS TER, CHICOPEE, MA 01013-2524 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0023772-71 |
|---|---|
| Date | Mar 19, 2021 |
| Book Page | 23772/71 |
| Instrument | 18662 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Apr 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Aug 27, 2021 |
| Property Address | 20 STEARNS TER, CHICOPEE, MA 01013-2524 |
| Document Number | 24083-572 |
| Book / Page | 24083 / 572 |
| Instrument Date | Aug 27, 2021 |
| Instrument | 60190 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 590 AMHERST RD, SOUTH HADLEY, MA 01075-1213 |
| Document Number | 60191 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 60191 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | May 29, 2019 |
| Property Address | 20 STEARNS TER, CHICOPEE, MA 01013-2524 |
| Document Number | 22685-154 |
| Book / Page | 022685 / 000154 |
| Instrument Date | May 28, 2019 |
| Instrument | 28075 |
| Transaction Type | Transfer |
| Record Updated | Jun 18, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $981.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 383 S HOWARD ST ATLANTA GA 30301, ATLANTA, GA 30301 |
| Document Number | 22685-157 |
|---|---|
| Date | May 29, 2019 |
| Book Page | 022685/000157 |
| Instrument | 28076 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2049 |
Source: Hampden County and Chicopee City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Chicopee City |
| Unified School District | Chicopee School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,359.00 (+3.66%) | $286,000 (+3.1%) Land $79,500 Building $206,500 | $316,284 (-1.09%) |
| 2025 | $4,205.00 (+5.44%) | $277,400 (+2.66%) Land $75,300 Building $202,100 | $319,770 |
| 2024 | $3,988.00 (+6.35%) | $270,200 (+9.17%) Land $73,900 Building $196,300 | |
| 2023 | $3,750.00 | $247,500 Land $67,200 Building $180,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 542 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Crossroads Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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