4 Charles St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 4 Charles St, Chicopee, MA 01020

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 1,967 sqft · built 1880
Lot Size	0.152 acres (6,625 sqft)
Owner	Individual Name on Record
Last Sale	$87,500 (Sep 2022)
Tax Bill	$4,561 (2026)
Deeds & Mortgages	Oct 2022 Sale Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`126-00087`

Property Details

APN / Parcel Number

Primary APN	`126-00087`
Alternative APN	`CHIC M:0126 P:00087`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,967 sqft Living Area
Gross Area	3,832 sqft
1st Floor Area	874 sqft
Attic	Attic
Attic Area	874 sqft
Basement Area	874 sqft
Unfinished Basement	874 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,625 sqft (0.152 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	126-00087
Street Address	4 CHARLES ST
City	CHICOPEE
State	MA
Zip	01020-3450
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	3007
Census Tract	810700

Owner

Source: Hampden County and Chicopee City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4 CHARLES ST, CHICOPEE, MA 01020-3450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Warranty Deed, Transfer
Sep 12, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2022 · Amount on Record
Deed Sale	Sep 12, 2022 · Amount on Record
Prior Sale	Dec 15, 2000 · Amount on Record
Deed Document Number	202255029
Deed Book / Page	24721 / 53
Last Transfer Date	Oct 13, 2022
Transfer Doc	00024765-9
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Oct 13, 2022
Property Address	4 CHARLES ST, CHICOPEE, MA 01020-3450
Document Number	00024765-9
Book / Page	24765 / 9
Instrument Date	Oct 13, 2022
Instrument	61317
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 CHARLES ST, CHICOPEE, MA 01020-3450

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Sep 12, 2022
Property Address	4 CHARLES ST, CHICOPEE, MA 01020-3450
Document Number	0024721-53
Book / Page	24721 / 53
Instrument Date	Sep 12, 2022
Instrument	55029
Transaction Type	Transfer
Record Updated	Sep 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CHARLES ST, CHICOPEE, MA 01020-3450

Mortgage

Document Number	0000055030
Date	Sep 12, 2022
Instrument	55030

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Oct 1, 2032
Max Rate At Change	2.88%
Index	1-Year CMT

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	$4,561.00 (+9.69%)	$299,300 (+9.11%) Land $82,200 Building $217,100	$357,793
2025	$4,158.00 (+7.47%)	$274,300 (+4.65%) Land $75,800 Building $198,500
2024	$3,869.00 (+8.62%)	$262,100 (+11.48%) Land $74,400 Building $187,700
2023	$3,562.00	$235,100 Land $67,600 Building $167,500

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 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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