448 Prospect St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 448 Prospect St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1955
Lot Size	1.19 acres (52,072 sqft)
Owner	Individual Name on Record
Last Sale	$226,900 (Sep 2009)
Tax Bill	$5,826 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`668-00004`

Property Details

APN / Parcel Number

Primary APN	`668-00004`
Alternative APN	`CHIC M:0668 P:00004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,536 sqft
Basement Area	1,320 sqft
Unfinished Basement	1,320 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,072 sqft (1.19 acres)
Garage Type	Attached
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	668-00004
Street Address	448 PROSPECT ST
City	CHICOPEE
State	MA
Zip	01020-2281
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	7
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	Individual Name on Record
Mailing Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage MASSMUTUAL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2009 · Amount on Record
Deed Sale	Sep 11, 2009 · Amount on Record
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000236426
Date	Apr 30, 2024
Instrument	236426

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2044

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000228137
Date	Oct 20, 2021
Instrument	228137

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	228137
Date	Oct 20, 2021
Instrument	228137

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Document Number	0000222398
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 PROSPECT ST CHICOPEE MA 010202281, CHICOPEE, MA 01020-2281

Mortgage

Document Number	0000222398
Date	Jul 1, 2020
Instrument	222398

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	448 PROSPECT ST, CHICOPEE, MA 01020-2281
Document Number	0000000017
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Feb 7, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000017
Date	Dec 18, 2017
Instrument	17

Lender

Name	MASSMUTUAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$5,826.00 (+8.43%)	$382,300 (+7.87%) Land $171,800 Building $210,500	$353,496 (+5.05%)
2025	$5,373.00 (+5.25%)	$354,400 (+2.46%) Land $155,200 Building $199,200	$336,490
2024	$5,105.00 (+5.61%)	$345,900 (+8.4%) Land $152,400 Building $193,500
2023	$4,834.00	$319,100 Land $138,600 Building $180,500

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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