20 Whitin Ave, Chicopee, MA 01013 Property Records

Hampden County and Chicopee City property record for 20 Whitin Ave, Chicopee, MA 01013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1954
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on Record
Last Sale	$202,000 (Dec 2020)
Tax Bill	$3,420 (2025)
Deeds & Mortgages	Apr 2026 Second Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`194-00014`

Property Details

APN / Parcel Number

Primary APN	`194-00014`
Alternative APN	`CHIC M:0194 P:00014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,000 sqft
Basement Area	200 sqft
Unfinished Basement	200 sqft
Game Room	Game Room

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	194-00014
Street Address	20 WHITIN AVE
City	CHICOPEE
State	MA
Zip	01013-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3027
Census Tract	811102

Owner

Source: Hampden County and Chicopee City records, as of May 6, 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 WHITIN AVE, CHICOPEE, MA 01013-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLISH NATIONAL CREDIT UNION
Mar 25, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU
Dec 28, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	Apr 30, 2007 · Amount on Record
Deed Document Number	202078327
Deed Book / Page	23614 / 547
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Recording Date	Apr 17, 2026
Property Address	20 WHITIN AVE, CHICOPEE, MA 01013-1328
Document Number	0026294-73
Book / Page	26294 / 73
Instrument Date	Apr 13, 2026
Instrument	202616503
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHITIN AVE, CHICOPEE, MA 01013-1328

Mortgage

Document Number	0000016503,
Date	Apr 17, 2026
Book Page	26294/73
Instrument	202616503

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	20 WHITIN AVE, CHICOPEE, MA 01013-1328
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025360-182
Date	Mar 25, 2024
Book Page	25360/182
Instrument	12379

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Dec 28, 2020
Property Address	20 WHITIN AVE, CHICOPEE, MA 01013-1328
Document Number	23614-547
Book / Page	23614 / 547
Instrument Date	Dec 24, 2020
Instrument	78327
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	58 HARWICH ST, CHICOPEE, MA 01013-1316

Mortgage

Document Number	78328
Date	Dec 28, 2020
Instrument	78328

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

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	$3,420.00 (+5.36%)	$225,600 (+2.59%) Land $81,200 Building $144,400	$282,055
2024	$3,246.00 (+7.63%)	$219,900 (+10.45%) Land $79,700 Building $140,200
2023	$3,016.00	$199,100 Land $72,400 Building $126,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1982 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Crossroads Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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