Hampden County and Chicopee City property record for 45 Charles St, Chicopee, MA 01020
| Property Type | Duplex |
|---|---|
| Details | 7 bd · 3.5 ba · 3,240 sqft · built 1880 |
| Lot Size | 0.187 acres (8,125 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $83,500 (Sep 2001) |
| Tax Bill | $5,543 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 126-00004 |
| Primary APN | 126-00004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,240 sqft Living Area |
| Gross Area | 6,736 sqft |
| 1st Floor Area | 1,620 sqft |
| Attic | Attic |
| Attic Area | 1,620 sqft |
| Basement Area | 1,620 sqft |
| Unfinished Basement | 1,620 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,125 sqft (0.187 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Oil |
| Account Number | 126-00004 |
|---|---|
| Street Address | 45 CHARLES ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01020-3451 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 4 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 810700 |
45 Charles St, a duplex, is owned and occupied by two individuals who bought it in September 2001.
Source: Hampden County and Chicopee City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 CHARLES ST, CHICOPEE, MA 01020-3451 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2001 · Amount on File |
| Deed Sale | Sep 18, 2001 · Amount on File |
| Deed Book / Page | 11868 / 539 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 45 Charles St was $5,543, up 10.1% from the year before.
Source: Hampden County and Chicopee City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Chicopee City |
| Unified School District | Chicopee School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,543.00 (+10.13%) | $363,700 (+9.55%) Land $90,600 Building $273,100 | $385,790 |
| 2025 | $5,033.00 (+5.74%) | $332,000 (+2.95%) Land $82,400 Building $249,600 | |
| 2024 | $4,760.00 (+7.04%) | $322,500 (+9.88%) Land $80,800 Building $241,700 | |
| 2023 | $4,447.00 | $293,500 Land $73,400 Building $220,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Charles St in Zone X, an area of minimal flood risk.
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.
The area around 45 Charles 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 638 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Crossroads Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile, Xfinity.
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