48 Royal St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 48 Royal St, Chicopee, MA 01020

Property Summary

Property Type	Duplex
Details	5 bd · 3 ba · 2,564 sqft · built 1920
Lot Size	0.217 acres (9,445 sqft)
Owner	Individual Name on Record
Last Sale	$15,225 (Jun 2003)
Tax Bill	$4,601 (2025)
Deeds & Mortgages	Jun 2022 Refinance Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`742-00019`

Property Details

APN / Parcel Number

Primary APN	`742-00019`
Alternative APN	`CHIC M:0742 P:00019`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,564 sqft Living Area
Gross Area	4,768 sqft
1st Floor Area	1,612 sqft
Basement Area	1,612 sqft
Unfinished Basement	1,612 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,445 sqft (0.217 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	742-00019
Street Address	48 ROYAL ST
City	CHICOPEE
State	MA
Zip	01020-4404
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	7
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2006
Census Tract	811302

Owner

Source: Hampden County and Chicopee City records, as of May 26, 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	48 ROYAL ST, CHICOPEE, MA 01020-4404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Feb 8, 2017	Deed of Trust, Mortgage PEOPLESBANK (HOLYOKE)
May 4, 2018	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2003 · Amount on Record
Deed Sale	Jun 25, 2003 · Amount on Record
Prior Sale	Sep 27, 1994 · Amount on Record
Deed Document Number	200315162
Deed Book / Page	13316 / 566
Transfer Doc	19127-2
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	48 ROYAL ST, CHICOPEE, MA 01020-4404
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024578-519
Date	Jun 6, 2022
Book Page	24578/519
Instrument	33955

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2032

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	48 ROYAL ST, CHICOPEE, MA 01020-4404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21562-451
Date	Feb 8, 2017
Book Page	21562/451
Instrument	7219

Lender

Name	PEOPLESBANK (HOLYOKE)

Agreement

Amount	Amount Recorded

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	48 ROYAL ST, CHICOPEE, MA 01020-4404
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22159-179
Date	May 4, 2018
Book Page	22159/179
Instrument	24186

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 1, 2043

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
2025	$4,601.00 (+5.6%)	$303,500 (+2.81%) Land $107,800 Building $195,700
2024	$4,357.00 (+7.08%)	$295,200 (+9.9%) Land $105,700 Building $189,500
2023	$4,069.00	$268,600 Land $96,000 Building $172,600

Assessed value is set for property tax purposes and is not a market price estimate.

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 293 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
Starlink Satellite	280 / 30

May also be available: South Hadley Electric Light Department, Xfinity.

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