439 Prospect St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 439 Prospect St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,043 sqft · built 1952
Lot Size	0.165 acres (7,194 sqft)
Owner	Individual on Record
Last Sale	$164,900 (Sep 2017)
Tax Bill	$3,270 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`668-00016`

Property Details

APN / Parcel Number

Primary APN	`668-00016`
Alternative APN	`CHIC M:0668 P:00016`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	1,043 sqft
Basement Area	348 sqft
Unfinished Basement	348 sqft
Game Room	Game Room

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,194 sqft (0.165 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	668-00016
Street Address	439 PROSPECT ST
City	CHICOPEE
State	MA
Zip	01020-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	7
Legal Subdivision	PLAN 12181-21
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	1
Census Block	1016
Census Tract	811301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	439 PROSPECT ST, CHICOPEE, MA 01020-2220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage U S A HSNG & URBAN DE
Sep 13, 2017	Quit Claim Deed, Transfer · FHA Mortgage FIRSTRUST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2017 · Amount on Record
Deed Sale	Sep 13, 2017 · Amount on Record
Prior Sale	Nov 25, 2009 · Amount on Record
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	439 PROSPECT ST, CHICOPEE, MA 01020-2220
Transaction Type	Mortgage
Record Updated	Apr 8, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000242248
Date	Mar 18, 2026
Instrument	242248

Lender

Name	U S A HSNG & URBAN DE

Agreement

Amount	Amount Recorded
Term	253 Months
Due	Apr 1, 2047

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Sep 13, 2017
Property Address	439 PROSPECT ST, CHICOPEE, MA 01020-2220
Document Number	0000211946
Instrument Date	Sep 9, 2017
Instrument	211946
Transaction Type	Transfer
Record Updated	Oct 4, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$766.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 MCKINSTRY AVE CHICOPEE MA 010134818, CHICOPEE, MA 01013-4818

Mortgage

Document Number	211947
Date	Sep 13, 2017
Instrument	211947

Lender

Name	FIRSTRUST BK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2047

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
2025	$3,270.00 (+5.25%)	$215,700 (+2.47%) Land $95,700 Building $120,000	$277,495
2024	$3,107.00 (+7.55%)	$210,500 (+10.38%) Land $93,900 Building $116,600
2023	$2,889.00	$190,700 Land $85,300 Building $105,400

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 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	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 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	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 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Crossroads Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: Netafy, Xfinity.

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