412 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 412 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,420 sqft · built 2005
Lot Size	0.463 acres (20,179 sqft)
Owner	2 Trust Names on Record
Last Sale	$469,999 (Jun 2018)
Tax Bill	$9,134 (2026)
Deeds & Mortgages	Jul 2020 Refinance Feb 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:163 B:42`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:163 B:42`
Alternative APNs	`M:00163 P:00042` `3360`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,420 sqft Living Area
Gross Area	5,048 sqft
1st Floor Area	1,186 sqft
Basement Area	1,186 sqft
Unfinished Basement	1,186 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	20,179 sqft (0.463 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3360
Street Address	412 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Subdivision	WORCESTER POLYTECHNIC INST
Legal Block	42
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	2 Trust Names on Record
Mailing Address	412 CHAPEL ST, HOLDEN, MA 01520-1817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NEW JERSEY LENDERS CORP
Feb 3, 2021	Quit Claim Deed, Transfer Quitclaim
Jun 20, 2018	Quit Claim Deed, Transfer SIERRA PACIFIC MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	May 25, 2012 · Amount on Record
Deed Book / Page	58972 / 366
Last Transfer Date	Oct 13, 2020
Transfer Doc	64389-384
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	412 CHAPEL ST, HOLDEN, MA 01520-1817
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	62764-133
Date	Jul 10, 2020
Book Page	62764/133
Instrument	73848

Lender

Name	NEW JERSEY LENDERS CORP
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Feb 3, 2021
Property Address	412 CHAPEL ST, HOLDEN, MA 01520-1817
Document Number	64389-384
Book / Page	64389 / 384
Instrument Date	Oct 13, 2020
Instrument	16464
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 CHAPEL ST, HOLDEN, MA 01520-1817

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HOLDEN MA
Recording Date	Jun 20, 2018
Property Address	412 CHAPEL ST, HOLDEN, MA 01520-1817
Document Number	58972-366
Book / Page	58972 / 366
Instrument	60833
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.01
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 CHAPEL ST, HOLDEN, MA 01520-1817

Mortgage

Document Number	589720368
Date	Jun 20, 2018
Instrument	58972/0368

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 20, 2048

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	$9,134.00 (+2.56%)	$677,600 (+5.45%) Land $189,600 Building $488,000	$734,426 (+7.36%)
2025	$8,906.00 (+0.28%)	$642,600 (+2.39%) Land $180,500 Building $462,100	$684,095
2024	$8,881.00 (+5.21%)	$627,600 (+11.45%) Land $175,300 Building $452,300
2023	$8,441.00	$563,100 Land $152,400 Building $410,700

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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