438 Main St, Hampden, MA 01036 Property Records

Hampden County and Hampden Town property record for 438 Main St, Hampden, MA 01036

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,330 sqft · built 1780
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Jan 2020)
Tax Bill	$5,179 (2025)
Deeds & Mortgages	May 2021 Refinance Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`HAMP M:0036 B:0035 L:0`

Property Details

APN / Parcel Number

Primary APN	`HAMP M:0036 B:0035 L:0`
Alternative APN	`1798`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area
Gross Area	4,174 sqft
Basement Area	677 sqft
Unfinished Basement	677 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1780
Effective Year Built	Effective 1780
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1798
Street Address	438 MAIN ST
City	HAMPDEN
State	MA
Zip	01036-9697
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Block	35
Jurisdiction	HAMPDEN MA
Township / Civil Division	HAMPDEN
Census Block Group	3
Census Block	3015
Census Tract	813500

Owner

438 Main St is owned and occupied by two individuals who bought it in January 2020.

Source: Hampden County and Hampden Town records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	438 MAIN ST, HAMPDEN, MA 01036-9697
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ACADEMY MORTGAGE CORP
Jan 24, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on File
Deed Sale	Jan 24, 2020 · Amount on File
Prior Sale	Mar 25, 2002 · Amount on File
Deed Document Number	20204418
Deed Book / Page	23060 / 43
Transfer Doc	15788-418
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMPDEN MA
Property Address	438 MAIN ST, HAMPDEN, MA 01036-9697
Transaction Type	Mortgage
Record Updated	May 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23865-464
Date	May 5, 2021
Book Page	23865/464
Instrument	30760

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMPDEN MA
Recording Date	Jan 24, 2020
Property Address	438 MAIN ST, HAMPDEN, MA 01036-9697
Document Number	23060-43
Book / Page	23060 / 43
Instrument Date	Dec 10, 2019
Instrument	4418
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	63 ABBEY ST, CHICOPEE, MA 01013-1510

Mortgage

Document Number	4419
Date	Jan 24, 2020
Instrument	4419

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 438 Main St was $5,179, up 9% from the year before.

Source: Hampden County and Hampden Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Hampden Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,179.00 (+9.01%)	$343,200 (+13.12%) Land $81,000 Building $262,200	$380,380
2024	$4,751.00 (-10.1%)	$303,400 (-3.16%) Land $73,100 Building $230,300
2023	$5,285.00	$313,300 Land $73,100 Building $240,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 438 Main St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	11 (1979–2017)
Claims Outside the SFHA	3 of 11
Most Recent Claim	Oct 2017 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Oct 2005 · 5 claims

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

Wildfire risk around 438 Main St is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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