346 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 346 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 768 sqft · built 1970
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$198,000 (Mar 2012)
Tax Bill	$5,943 (2026)
Deeds & Mortgages	Nov 2021 Refinance Dec 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:164 B:15`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:164 B:15`
Alternative APNs	`M:00164 P:00015` `3019`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Gross Area	1,590 sqft
1st Floor Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	384 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3019
Street Address	346 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20
Legal Block	15
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	346 CHAPEL ST, HOLDEN, MA 01520-1815
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC
Dec 24, 2025	Deed of Trust, Mortgage ALL ONE CREDIT UNION
Nov 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOTAL MORTGAGE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2012 · Amount on Record
Deed Sale	Mar 23, 2012 · Amount on Record
Prior Sale	Aug 31, 2010 · Amount on Record
Deed Book / Page	48713 / 381
Transfer Doc	5197000330
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	346 CHAPEL ST, HOLDEN, MA 01520-1815
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	066614-226
Date	Nov 24, 2021
Book Page	66614/226
Instrument	165464

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	346 CHAPEL ST, HOLDEN, MA 01520-1815
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	073014-320
Date	Dec 24, 2025
Book Page	73014/320
Instrument	112675

Lender

Name	ALL ONE CREDIT UNION

Agreement

Amount	Amount Recorded
Term	217 Months
Due	Jan 1, 2044

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	346 CHAPEL ST, HOLDEN, MA 01520-1815
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	66614-226
Date	Nov 24, 2021
Book Page	66614/226
Instrument	165464

Lender

Name	TOTAL MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

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	$5,943.00 (+3.75%)	$440,900 (+6.68%) Land $175,600 Building $265,300	$424,833 (+12.5%)
2025	$5,728.00 (+11.24%)	$413,300 (+13.58%) Land $167,100 Building $246,200	$377,625
2024	$5,149.00 (+3.89%)	$363,900 (+10.07%) Land $162,300 Building $201,600
2023	$4,956.00	$330,600 Land $141,100 Building $189,500

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 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 104 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

Cell Coverage

5G (outdoors only) and 4G LTE

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