431 Chapel St, Holden, MA 01520 Property Records

Worcester County and Holden Town property record for 431 Chapel St, Holden, MA 01520

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,609 sqft · built 2004
Lot Size	0.514 acres (22,398 sqft)
Owner	Individual Name on Record
Last Sale	$816,173 (Oct 2005)
Tax Bill	$10,758 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`HOLD M:163 B:28`

Property Details

APN / Parcel Number

Primary APN	`HOLD M:163 B:28`
Alternative APNs	`M:00163 P:00028` `9033`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,609 sqft Living Area
Gross Area	7,040 sqft
1st Floor Area	1,811 sqft
Basement Area	1,811 sqft
Unfinished Basement	1,811 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,398 sqft (0.514 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9033
Street Address	431 CHAPEL ST
City	HOLDEN
State	MA
Zip	01520-1816
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-20
Legal Subdivision	WORCESTER POLYTECHNIC INST
Legal Block	28
Jurisdiction	HOLDEN MA
Township / Civil Division	HOLDEN
Census Block Group	1
Census Block	1011
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	431 CHAPEL ST, HOLDEN, MA 01520-1816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit ALL ONE CREDIT UNION
Mar 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP
Jan 15, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance RADIUS FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2005 · Amount on Record
Deed Sale	Oct 25, 2005 · Amount on Record
Deed Document Number	2005181397
Deed Book / Page	37639 / 323
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	431 CHAPEL ST, HOLDEN, MA 01520-1816
Transaction Type	Mortgage
Record Updated	Dec 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072833-96
Date	Nov 17, 2025
Book Page	72833/96
Instrument	99874

Lender

Name	ALL ONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	431 CHAPEL ST, HOLDEN, MA 01520-1816
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	64617-52
Date	Mar 5, 2021
Book Page	64617/52
Instrument	31012

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HOLDEN MA
Property Address	431 CHAPEL ST, HOLDEN, MA 01520-1816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	61744-344
Date	Jan 15, 2020
Book Page	61744/344
Instrument	4298

Lender

Name	RADIUS FINANCIAL GROUP

Agreement

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

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	$10,758.00 (+2.64%)	$798,100 (+5.54%) Land $193,900 Building $604,200	$775,156 (-20.09%)
2025	$10,481.00 (+1.44%)	$756,200 (+3.56%) Land $184,600 Building $571,600	$970,045
2024	$10,332.00 (+1.48%)	$730,200 (+7.51%) Land $179,300 Building $550,900
2023	$10,181.00	$679,200 Land $155,800 Building $523,400

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	None beyond 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	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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