Hampden County and Chicopee City property record for 46 Joy St, Chicopee, MA 01013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,096 sqft · built 1920 |
| Lot Size | 0.239 acres (10,411 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $350,000 (Dec 2023) |
| Tax Bill | $5,391 (2025) |
| Deeds & Mortgages | Sep 2024 Mortgage Jan 2023 Mortgage + 5 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 275-00027 |
| Primary APN | 275-00027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,096 sqft Living Area |
| Gross Area | 3,925 sqft |
| 1st Floor Area | 1,092 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 1,092 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Historical |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,411 sqft (0.239 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Steam |
| Heating Fuel | Gas |
| Account Number | 275-00027 |
|---|---|
| Street Address | 46 JOY ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01013-1468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 5 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 811102 |
Source: Hampden County and Chicopee City records, as of April 14, 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 | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2024 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 20, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) FREEDOM CU |
| Dec 28, 2023 | Deed, Transfer · Stand-Alone First Mortgage AMERICAN FINANCIAL NETWORK |
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit PEOPLESBANK (HOLYOKE) |
| Apr 30, 2018 | Warranty Deed, Transfer NORTHERN MTG |
| Mar 13, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Mar 13, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2023 · Amount on Record |
| Deed Sale | Dec 28, 2023 · Amount on Record |
| Prior Sale | Apr 30, 2018 · Amount on Record |
| Deed Book / Page | 25274 / 484 |
| Transfer Doc | 21598-7 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 025578-292 |
|---|---|
| Date | Sep 19, 2024 |
| Book Page | 25578/292 |
| Instrument | 43399 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 024882-570 |
|---|---|
| Date | Jan 20, 2023 |
| Book Page | 24882/570 |
| Instrument | 3282 |
| Name | FREEDOM CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2038 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Dec 28, 2023 |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Document Number | 025274-484 |
| Book / Page | 25274 / 484 |
| Instrument Date | Dec 27, 2023 |
| Instrument | 61569 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 ASHLEY ST, WEST SPRINGFIELD, MA 01089-3168 |
| Investor | Possibly a Property Investor |
| Document Number | 0000061570 |
|---|---|
| Date | Dec 28, 2023 |
| Instrument | 61570 |
| Name | AMERICAN FINANCIAL NETWORK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22024-387 |
|---|---|
| Date | Jan 12, 2018 |
| Book Page | 22024/387 |
| Instrument | 2060 |
| Name | PEOPLESBANK (HOLYOKE) |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Apr 30, 2018 |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Document Number | 22154-63 |
| Book / Page | 22154 / 63 |
| Instrument | 23334 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.18 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Document Number | 221540066 |
|---|---|
| Date | Apr 30, 2018 |
| Instrument | 22154/0066 |
| Name | NORTHERN MTG |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Apr 30, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Mar 13, 2017 |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Document Number | 21598-1 |
| Book / Page | 021598 / 000001 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 12935 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 36 NOWAK CIR LUDLOW MA 010563213, LUDLOW, MA 01056-3213 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Mar 13, 2017 |
| Property Address | 46 JOY ST, CHICOPEE, MA 01013-1468 |
| Document Number | 21598-7 |
| Book / Page | 021598 / 000007 |
| Instrument Date | Feb 28, 2017 |
| Instrument | 12937 |
| Transaction Type | Transfer |
| Record Updated | Apr 4, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 46 JOY ST CHICOPEE MA 010131468, CHICOPEE, MA 01013-1468 |
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 |
|---|---|---|---|
| 2025 | $5,391.00 (+5.48%) | $355,600 (+2.69%) Land $100,900 Building $254,700 | $328,795 |
| 2024 | $5,111.00 (+6.9%) | $346,300 (+9.73%) Land $98,900 Building $247,400 | |
| 2023 | $4,781.00 | $315,600 Land $89,900 Building $225,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2024 · 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.
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 441 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 |
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