38 Smith St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 38 Smith St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,499 sqft · built 2004
Lot Size	0.172 acres (7,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Aug 2021)
Tax Bill	$5,784 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`43-0029A`

Property Details

APN / Parcel Number

Primary APN	`43-0029A`
Alternative APN	`CHIC M:0043 P:0029A`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,499 sqft Living Area
Gross Area	3,333 sqft
1st Floor Area	1,499 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.172 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	43-0029A
Street Address	38 SMITH ST
City	CHICOPEE
State	MA
Zip	01020-2430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2016
Census Tract	810700

Owner

Source: Hampden County and Chicopee City records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 SMITH ST, CHICOPEE, MA 01020-2430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 31, 2021	Quit Claim Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit ALDENVILLE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Deed Document Number	202161346
Deed Book / Page	24093 / 266
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	38 SMITH ST, CHICOPEE, MA 01020-2430
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025104-83
Date	Aug 3, 2023
Book Page	25104/83
Instrument	36053

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2051

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Aug 31, 2021
Property Address	38 SMITH ST, CHICOPEE, MA 01020-2430
Document Number	24093-266
Book / Page	24093 / 266
Instrument Date	Aug 31, 2021
Instrument	61346
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
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	13 MADISON ST, CHICOPEE, MA 01020-2520

Mortgage

Document Number	61347
Date	Aug 31, 2021
Instrument	61347

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	38 SMITH ST, CHICOPEE, MA 01020-2430
Document Number	23271-447
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 SMITH ST CHICOPEE MA 010202430, CHICOPEE, MA 01020-2430

Mortgage

Document Number	23271-447
Date	Jun 22, 2020
Book Page	023271/000447
Instrument	32389

Lender

Name	ALDENVILLE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 21, 2040

Interest

Rate Type	Adjustable Rate

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
2025	$5,784.00 (+5.37%)	$381,500 (+2.58%) Land $88,500 Building $293,000	$342,190
2024	$5,489.00 (+7.06%)	$371,900 (+9.9%) Land $86,800 Building $285,100
2023	$5,127.00	$338,400 Land $78,900 Building $259,500

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 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	Not rated no burnable land within 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 234 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Xfinity.

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