45 Catherine St, Chicopee, MA 01013 Property Records

Hampden County and Chicopee City property record for 45 Catherine St, Chicopee, MA 01013

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1949
Lot Size	0.138 acres (6,000 sqft)
Owner	Individual Name on File
Last Sale	$124,000 (Apr 2004)
Tax Bill	$3,566 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Oct 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`499-00044`

Property Details

APN / Parcel Number

Primary APN	`499-00044`
Alternative APN	`CHIC M:0499 P:00044`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,524 sqft
1st Floor Area	768 sqft
Attic	Attic
Attic Area	768 sqft
Basement Area	768 sqft
Unfinished Basement	768 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,000 sqft (0.138 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Electric

Location & Zoning

Account Number	499-00044
Street Address	45 CATHERINE ST
City	CHICOPEE
State	MA
Zip	01013-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	5
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3000
Census Tract	811101

Owner

45 Catherine St is owned and occupied by an individual who bought it in April 2004.

Source: Hampden County and Chicopee City records, as of October 20, 2026

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

Owner of Record	Individual Name on File
Mailing Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU
Oct 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Dec 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage POLISH NAT'L CU
Aug 4, 2017	Quit Claim Deed, Transfer ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2004 · Amount on File
Deed Sale	Apr 1, 2004 · Amount on File
Deed Document Number	200494245
Deed Book / Page	14061 / 67
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022
Transaction Type	Mortgage
Record Updated	Oct 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024746-473
Date	Sep 30, 2022
Book Page	24746/473
Instrument	58729

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2037

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23488-440
Date	Oct 22, 2020
Book Page	23488/440
Instrument	61239

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2045

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022
Document Number	22509-286
Instrument Date	Dec 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CATHERINE ST CHICOPEE MA 010132022, CHICOPEE, MA 01013-2022

Mortgage

Document Number	22509-286
Date	Jan 3, 2019
Book Page	022509/000286
Instrument	239

Lender

Name	POLISH NAT'L CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2049

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Aug 4, 2017
Property Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022
Document Number	21798-156
Book / Page	21798 / 156
Instrument	44883
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$22.73
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 CATHERINE ST, CHICOPEE, MA 01013-2022

Mortgage

Document Number	21798-159
Date	Aug 4, 2017
Book Page	21798/159
Instrument	44884

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 45 Catherine St was $3,566, up 7% from the year before.

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	$3,566.00 (+6.96%)	$234,000 (+6.41%) Land $87,000 Building $147,000	$250,795 (+2.01%)
2025	$3,334.00 (+5.41%)	$219,900 (+2.61%) Land $81,200 Building $138,700	$245,860
2024	$3,163.00 (+6.75%)	$214,300 (+9.56%) Land $79,700 Building $134,600
2023	$2,963.00	$195,600 Land $72,400 Building $123,200

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

Flood

FEMA maps place 45 Catherine St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (1978)
Most Recent Claim	Jul 1978 · rainfall accumulation

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

The area around 45 Catherine St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 397 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Crossroads Fiber Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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