318 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 318 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,464 sqft · built 2011
Lot Size	1.87 acres (81,818 sqft)
Owner	Individual Name on Record
Last Sale	$186,900 (Apr 2004)
Tax Bill	$8,735 (2026)
Deeds & Mortgages	Feb 2024 Refinance Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:164 B:12`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:164 B:12`
Alternative APNs	`M:00164 P:00012` `3016`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	4,564 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	81,818 sqft (1.87 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3016
Street Address	318 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	12
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	1
Census Block	1004
Census Tract	728400

Owner

Source: Worcester County and Holden Town 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	318 CHAPEL ST, HOLDEN, MA 01520-1815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE BANK
Sep 12, 2019	Deed of Trust, Mortgage · ARM LENDSURE MORTGAGE
Apr 15, 2020	Quit Claim Deed, Transfer · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2004 · Amount on Record
Deed Sale	Apr 29, 2004 · Amount on Record
Deed Book / Page	33453 / 81
Last Transfer Date	Apr 10, 2020
Transfer Doc	0062216-60
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	318 CHAPEL ST, HOLDEN, MA 01520-1815
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	070208-109
Date	Feb 20, 2024
Book Page	70208/109
Instrument	12351

Lender

Name	CORNERSTONE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	318 CHAPEL ST, HOLDEN, MA 01520-1815
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61036-110
Date	Sep 12, 2019
Book Page	61036/110
Instrument	93426

Lender

Name	LENDSURE MORTGAGE

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Type Change Date	Oct 1, 2026

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Apr 15, 2020
Property Address	318 CHAPEL ST, HOLDEN, MA 01520-1815
Document Number	62216-57
Book / Page	62216 / 57
Instrument Date	Apr 10, 2020
Instrument	37981
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 CHAPEL ST, HOLDEN, MA 01520-1815
Investor	Possibly a Property Investor

Mortgage

Document Number	62216-60
Date	Apr 15, 2020
Book Page	62216/60
Instrument	37982

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

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	$8,735.00 (+2.6%)	$648,000 (+5.49%) Land $198,200 Building $449,800	$782,976 (+27.03%)
2025	$8,514.00 (+3.58%)	$614,300 (+5.75%) Land $188,600 Building $425,700	$616,360
2024	$8,220.00 (+5.52%)	$580,900 (+11.78%) Land $183,400 Building $397,500
2023	$7,790.00	$519,700 Land $159,200 Building $360,500

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 88% 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	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.

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