Worcester County and Holden Town property record for 396 Chapel St, Holden, MA 01520
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,040 sqft · built 1997 |
| Lot Size | 0.511 acres (22,280 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Jan 1998) |
| Tax Bill | $7,306 (2026) |
| Deeds & Mortgages | May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | HOLD M:163 B:40 |
| Primary APN | HOLD M:163 B:40 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,040 sqft Living Area |
| Gross Area | 4,442 sqft |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,280 sqft (0.511 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3360 |
|---|---|
| Street Address | 396 CHAPEL ST |
| City | HOLDEN |
| State | MA |
| Zip | 01520-1815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-20 |
| Legal Subdivision | WORCESTER POLYTECHNIE INST |
| Legal Block | 40 |
| Jurisdiction | HOLDEN MA |
| Township / Civil Division | HOLDEN |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 728400 |
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 | 396 CHAPEL ST, HOLDEN, MA 01520-1815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 16, 1998 · Amount on Record |
| Deed Sale | Jan 16, 1998 · Amount on Record |
| Prior Sale | Nov 24, 1997 · Amount on Record |
| Deed Book / Page | 19528 / 22 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOLDEN MA |
| Property Address | 396 CHAPEL ST, HOLDEN, MA 01520-1815 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 62377-145 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 62377/145 |
| Instrument | 48024 |
| Name | CENTRAL ONE FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Type Change Date | Jun 1, 2030 |
Source: Worcester County and Holden Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| County Subdivision | Holden Town |
| Unified School District | Wachusett School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,306.00 (-3.31%) | $542,000 (-0.59%) Land $193,700 Building $348,300 | $609,797 (+22.08%) |
| 2025 | $7,556.00 (+3.91%) | $545,200 (+6.09%) Land $184,400 Building $360,800 | $499,510 |
| 2024 | $7,272.00 (+5.38%) | $513,900 (+11.62%) Land $179,100 Building $334,800 | |
| 2023 | $6,901.00 | $460,400 Land $155,700 Building $304,700 |
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 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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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