318 Prospect St, Chicopee, MA 01013 Property Records

Hampden County and Chicopee City property record for 318 Prospect St, Chicopee, MA 01013

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,290 sqft · built 1950
Lot Size	0.697 acres (30,380 sqft)
Owner	Individual Name on Record
Last Sale	$107,000 (Mar 2003)
Tax Bill	$4,033 (2026)
Deeds & Mortgages	May 2026 Second Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`648-00016`

Property Details

APN / Parcel Number

Primary APN	`648-00016`
Alternative APN	`CHIC M:0648 P:00016`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,290 sqft Living Area
Gross Area	3,194 sqft
1st Floor Area	1,290 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,380 sqft (0.697 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	648-00016
Street Address	318 PROSPECT ST
City	CHICOPEE
State	MA
Zip	01013-4047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	13
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3015
Census Tract	811301

Owner

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	318 PROSPECT ST, CHICOPEE, MA 01013-4047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALDEN CREDIT UNION
Jul 11, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) ALDEN CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2003 · Amount on Record
Deed Sale	Mar 31, 2003 · Amount on Record
Deed Document Number	200315034
Deed Book / Page	13071 / 221
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Recording Date	May 20, 2026
Property Address	318 PROSPECT ST, CHICOPEE, MA 01013-4047
Document Number	026338-271
Book / Page	26338 / 271
Instrument Date	May 15, 2026
Instrument	202622355
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 PROSPECT ST, CHICOPEE, MA 01013-4047

Mortgage

Document Number	0000022355,
Date	May 20, 2026
Book Page	26338/271
Instrument	202622355

Lender

Name	ALDEN CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	318 PROSPECT ST, CHICOPEE, MA 01013-4047
Transaction Type	Mortgage
Record Updated	Jul 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025073-59
Date	Jul 11, 2023
Book Page	25073/59
Instrument	31471

Lender

Name	ALDEN CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2028

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
2026	$4,033.00 (+7.15%)	$264,600 (+6.56%) Land $90,200 Building $174,400	$289,200 (-5.43%)
2025	$3,764.00 (+5.38%)	$248,300 (+2.6%) Land $83,200 Building $165,100	$305,805
2024	$3,572.00 (+5.12%)	$242,000 (+7.89%) Land $81,600 Building $160,400
2023	$3,398.00	$224,300 Land $74,200 Building $150,100

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

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.

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	None beyond ember reach

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Crossroads Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Netafy, Xfinity.

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