404 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 404 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,584 sqft · built 2005
Lot Size	0.461 acres (20,079 sqft)
Owner	Individual Name on Record
Last Sale	$474,284 (Jan 2006)
Tax Bill	$9,400 (2026)
Deeds & Mortgages	Aug 2021 Refinance Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:163 B:41`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:163 B:41`
Alternative APNs	`M:00163 P:00041` `9032`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,584 sqft Living Area
Gross Area	4,512 sqft
1st Floor Area	1,628 sqft
Basement Area	956 sqft
Unfinished Basement	956 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,079 sqft (0.461 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	9032
Street Address	404 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Block	41
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	404 CHAPEL ST, HOLDEN, MA 01520-1817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2006 · Amount on Record
Deed Sale	Jan 13, 2006 · Amount on Record
Deed Document Number	20066297
Deed Book / Page	38210 / 190
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	404 CHAPEL ST, HOLDEN, MA 01520-1817
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	65795-201
Date	Aug 9, 2021
Book Page	65795/201
Instrument	111207

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	404 CHAPEL ST, HOLDEN, MA 01520-1817
Document Number	57885-165
Book / Page	057885 / 000165
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	57885-165
Date	Oct 16, 2017
Book Page	057885/000165
Instrument	114280

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

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	$9,400.00 (+2.5%)	$697,300 (+5.38%) Land $189,400 Building $507,900	$781,724 (+16.59%)
2025	$9,171.00 (-2.97%)	$661,700 (-0.94%) Land $180,300 Building $481,400	$670,510
2024	$9,452.00 (+5.1%)	$668,000 (+11.35%) Land $175,100 Building $492,900
2023	$8,993.00	$599,900 Land $152,200 Building $447,700

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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