45 Whitin Ave, Chicopee, MA 01013 Property Records

Hampden County and Chicopee City property record for 45 Whitin Ave, Chicopee, MA 01013

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,561 sqft · built 1920
Lot Size	0.758 acres (33,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Dec 2014)
Tax Bill	$4,066 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2021 Refinance + 3 more
Flood Zone	Zone X (reduced by levee)
APN	`194-00009`

Property Details

APN / Parcel Number

Primary APN	`194-00009`
Alternative APN	`CHIC M:0194 P:00009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,561 sqft Living Area
Gross Area	3,630 sqft
1st Floor Area	1,566 sqft
Basement Area	1,566 sqft
Unfinished Basement	1,566 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	33,016 sqft (0.758 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	194-00009
Street Address	45 WHITIN AVE
City	CHICOPEE
State	MA
Zip	01013-1327
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	3020
Census Tract	811102

Owner

Source: Hampden County and Chicopee City records, as of June 3, 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	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Feb 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Mar 30, 2021	Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC
Dec 8, 2023	Quit Claim Deed, Transfer Quitclaim
Jan 11, 2017	Deed of Trust, Mortgage · VA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2014 · Amount on Record
Deed Sale	Dec 30, 2014 · Amount on Record
Deed Book / Page	20552 / 198
Last Transfer Date	Nov 29, 2023
Transfer Doc	0025255-83
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Recording Date	May 14, 2026
Property Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Document Number	026331-347
Book / Page	26331 / 347
Instrument Date	May 9, 2026
Instrument	202621436
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327

Mortgage

Document Number	0000021436,
Date	May 14, 2026
Book Page	26331/347
Instrument	202621436

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023700-145
Date	Feb 9, 2021
Book Page	23700/145
Instrument	9264

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 1, 2046

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023792-289
Date	Mar 30, 2021
Book Page	23792/289
Instrument	21163

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2031

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Dec 8, 2023
Property Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Document Number	0025255-83
Book / Page	25255 / 83
Instrument Date	Nov 29, 2023
Instrument	58467
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	45 WHITIN AVE, CHICOPEE, MA 01013-1327
Document Number	21535-305
Book / Page	021535 / 000305
Instrument Date	Jan 11, 2017
Transaction Type	Mortgage
Record Updated	Feb 9, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21535-305
Date	Jan 17, 2017
Book Page	021535/000305
Instrument	2717

Lender

Name	STEARNS LNDG

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 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	$4,066.00 (+5.25%)	$268,200 (+2.48%) Land $112,300 Building $155,900	$333,925
2024	$3,863.00 (+6.92%)	$261,700 (+9.73%) Land $110,200 Building $151,500
2023	$3,613.00	$238,500 Land $100,200 Building $138,300

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1982 · 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

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	Direct burnable vegetation

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 233 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: T-Mobile.

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