Hampden County and Chicopee City property record for 39 Charles St, Chicopee, MA 01020
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,304 sqft · built 1940 |
| Lot Size | 0.197 acres (8,565 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,102 (2026) |
| Deeds & Mortgages | Nov 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 126-00005 |
| Primary APN | 126-00005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 11 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,304 sqft Living Area |
| Gross Area | 5,892 sqft |
| 1st Floor Area | 1,152 sqft |
| Attic | Attic |
| Attic Area | 1,152 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,565 sqft (0.197 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | 126-00005 |
|---|---|
| Street Address | 39 CHARLES ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01020-3451 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 4 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 810700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 39 CHARLES ST, CHICOPEE, MA 01020-3451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 39 CHARLES ST, CHICOPEE, MA 01020-3451 |
| Document Number | 22992-434 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 39 CHARLES ST CHICOPEE MA 010203451, CHICOPEE, MA 01020-3451 |
| Document Number | 22992-434 |
|---|---|
| Date | Dec 10, 2019 |
| Book Page | 022992/000434 |
| Instrument | 72792 |
| Name | FREEDOM CU |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 9, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Hampden County and Chicopee City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Chicopee City |
| Unified School District | Chicopee School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,102.00 (+10.05%) | $334,800 (+9.48%) Land $92,500 Building $242,300 | $349,936 |
| 2025 | $4,636.00 (+5.68%) | $305,800 (+2.89%) Land $84,300 Building $221,500 | |
| 2024 | $4,387.00 (+7.05%) | $297,200 (+9.87%) Land $82,700 Building $214,500 | |
| 2023 | $4,098.00 | $270,500 Land $75,200 Building $195,300 |
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 | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Crossroads Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Xfinity.
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