442 Prospect St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 442 Prospect St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,341 sqft · built 1955
Lot Size	0.237 acres (10,313 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Mar 2026)
Tax Bill	$4,823 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Dec 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`668-00005`

Property Details

APN / Parcel Number

Primary APN	`668-00005`
Alternative APN	`CHIC M:0668 P:00005`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,341 sqft Living Area
Gross Area	2,866 sqft
1st Floor Area	1,341 sqft
Basement Area	972 sqft
Unfinished Basement	972 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Split Level
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,313 sqft (0.237 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	668-00005
Street Address	442 PROSPECT ST
City	CHICOPEE
State	MA
Zip	01020-2281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	7
Legal Subdivision	PLAN 12181-31
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3022
Census Tract	811301

Owner

Source: Hampden County and Chicopee City 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 Individual Names on Record
Mailing Address	33 WOODCREST CIR, CHICOPEE, MA 01020-2036
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Dec 11, 2024	Warranty Deed, Transfer · FHA Mortgage MASSACHUSETTS HOUSING FINANCE AGENC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Dec 11, 2024 · Amount on Record
Deed Document Number	2026242377
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Mar 31, 2026
Property Address	442 PROSPECT ST, CHICOPEE, MA 01020-2281
Document Number	0000242377
Instrument Date	Mar 24, 2026
Instrument	242377
Transaction Type	Transfer
Record Updated	Apr 22, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	33 WOODCREST CIR, CHICOPEE, MA 01020-2036

Mortgage

Document Number	0000242378
Date	Mar 31, 2026
Instrument	242378

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	Dec 11, 2024
Property Address	442 PROSPECT ST, CHICOPEE, MA 01020-2281
Document Number	0000238462
Instrument Date	Dec 11, 2024
Instrument	238462
Transaction Type	Transfer
Record Updated	Dec 27, 2024

Transaction

Amount	Amount Recorded
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	442 PROSPECT ST, CHICOPEE, MA 01020-2281

Mortgage

Document Number	0000238463
Date	Dec 11, 2024
Instrument	238463

Lender

Name	MASSACHUSETTS HOUSING FINANCE AGENC
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000238464
Date	Dec 11, 2024
Instrument	238464

Lender

Name	MASSACHUSETTS HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	193 Months
Due	Jan 1, 2041

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
2026	$4,823.00 (+7.44%)	$316,500 (+6.89%) Land $121,300 Building $195,200	$336,799 (+7.37%)
2025	$4,489.00 (+5.28%)	$296,100 (+2.49%) Land $110,900 Building $185,200	$313,690
2024	$4,264.00 (+5.49%)	$288,900 (+8.28%) Land $108,700 Building $180,200
2023	$4,042.00	$266,800 Land $98,800 Building $168,000

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 96% of the US · lower than 92% 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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