232 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 232 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,236 sqft · built 1950
Lot Size	1.07 acres (46,970 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Oct 2021)
Tax Bill	$5,965 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:177 B:12`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:177 B:12`
Alternative APNs	`M:00177 P:00012` `3372`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,236 sqft Living Area
Gross Area	3,049 sqft
1st Floor Area	783 sqft
Attic	Attic
Attic Area	783 sqft
Basement Area	783 sqft
Unfinished Basement	783 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	46,970 sqft (1.07 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3372
Street Address	232 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	12
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	1
Census Block	1014
Census Tract	728400

Owner

232 Chapel St is owned and occupied by an individual who bought it in October 2021.

Source: Worcester County and Holden Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	232 CHAPEL ST, HOLDEN, MA 01520-1813
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2021 · Amount on File
Deed Sale	Oct 4, 2021 · Amount on File
Deed Document Number	2021138900
Deed Book / Page	66209 / 326
Prior Transfer Date	Oct 1, 2021
Prior Transfer Doc	66209-326
Record Updated	Oct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Oct 4, 2021
Property Address	232 CHAPEL ST, HOLDEN, MA 01520-1813
Document Number	66209-326
Book / Page	66209 / 326
Instrument Date	Oct 1, 2021
Instrument	138900
Transaction Type	Transfer
Record Updated	Oct 22, 2021

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	232 CHAPEL ST, HOLDEN, MA 01520-1813

Mortgage

Document Number	138901
Date	Oct 4, 2021
Instrument	138901

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 232 Chapel St was $5,965, up 2.6% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Holden Town
Unified School District	Wachusett School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,965.00 (+2.61%)	$442,500 (+5.51%) Land $193,300 Building $249,200	$440,062 (+12.71%)
2025	$5,813.00 (+12%)	$419,400 (+14.34%) Land $183,900 Building $235,500	$390,450
2024	$5,190.00 (+6.7%)	$366,800 (+13.04%) Land $178,700 Building $188,100
2023	$4,864.00	$324,500 Land $155,200 Building $169,300

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

Flood

FEMA maps place 232 Chapel St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · 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	1 in force

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 232 Chapel St is low, with a 0.01% 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	0.01% 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	HOLDEN WATER DIVISION, DPW serves 18,016 people · EPA ID MA2134000
Water Source	Purchased surface water from WORCESTER DPWP, WATER SUPPLY DIVISION
Last State Inspection	Nov 2024
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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