Hampden County and Springfield City property record for 278 Chapin Ter, Springfield, MA 01104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,826 sqft · built 1930 |
| Lot Size | 0.119 acres (5,201 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $139,000 (Sep 2012) |
| Tax Bill | $4,391 (2026) |
| Deeds & Mortgages | Apr 2025 Line of Credit Oct 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:02640 P:0055 |
| Primary APN | SPRI S:02640 P:0055 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,826 sqft Living Area |
| 1st Floor Area | 729 sqft |
| Basement Area | 206 sqft |
| Unfinished Basement | 206 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,201 sqft (0.119 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 26400055 |
|---|---|
| Street Address | 278 CHAPIN TER |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01104-1819 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | MAYFAIR MANOR |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 800500 |
Source: Hampden County and Springfield City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 278 CHAPIN TER, SPRINGFIELD, MA 01104-1819 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 8, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Oct 8, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 26, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2012 · Amount on Record |
| Deed Sale | Sep 6, 2012 · Amount on Record |
| Prior Sale | Sep 2, 1997 · Amount on Record |
| Deed Book / Page | 19434 / 22 |
| Transfer Doc | 0019434-22 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 278 CHAPIN TER, SPRINGFIELD, MA 01104-1819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025812-355 |
|---|---|
| Date | Apr 2, 2025 |
| Book Page | 25812/355 |
| Instrument | 14270 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | May 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 278 CHAPIN TER, SPRINGFIELD, MA 01104-1819 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0024172-78 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 24172/78 |
| Instrument | 71391 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 278 CHAPIN TER, SPRINGFIELD, MA 01104-1819 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24172-78 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 24172/78 |
| Instrument | 71391 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 278 CHAPIN TER, SPRINGFIELD, MA 01104-1819 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23279-234 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 23279/234 |
| Instrument | 33523 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2045 |
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,391.00 (+7.31%) | $284,000 (+8.81%) Land $30,300 Building $253,700 | $275,018 (-7.98%) |
| 2025 | $4,092.00 (+1.74%) | $261,000 (+10.64%) Land $30,300 Building $230,700 | $298,870 (+12.76%) |
| 2024 | $265,050 | ||
| 2023 | $4,022.00 | $235,900 Land $27,500 Building $208,400 |
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 96% of the US · lower than 92% 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 | SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2024) action level 15 ppb |
| Water Quality | Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022 |
|---|---|
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 574 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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