54 Cambridge St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 54 Cambridge St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,293 sqft · built 1925
Lot Size	0.341 acres (14,863 sqft)
Owner	Individual Name on File
Last Sale	$231,000 (Jan 2020)
Tax Bill	$4,677 (2026)
Deeds & Mortgages	Feb 2022 Refinance Feb 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`87-00055`

Property Details

APN / Parcel Number

Primary APN	`87-00055`
Alternative APN	`CHIC M:0087 P:00055`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,293 sqft Living Area
Gross Area	2,539 sqft
1st Floor Area	742 sqft
Basement Area	726 sqft
Unfinished Basement	726 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,863 sqft (0.341 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	87-00055
Street Address	54 CAMBRIDGE ST
City	CHICOPEE
State	MA
Zip	01020-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	2
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	4
Census Block	4005
Census Tract	810700

Owner

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	54 CAMBRIDGE ST, CHICOPEE, MA 01020-4114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FINANCE AMERICA LLC
Feb 22, 2022	Deed of Trust, Mortgage · Line of Credit FINANCE AMERICA LLC
Jan 10, 2020	Quit Claim Deed, Transfer · Conventional with PMI GREENFIELD CO-OP BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2020 · Amount on File
Deed Sale	Jan 10, 2020 · Amount on File
Prior Sale	Aug 16, 2013 · Amount on File
Deed Document Number	2020818
Prior Transfer Date	Jan 2, 2020
Prior Transfer Doc	0000000818
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	54 CAMBRIDGE ST, CHICOPEE, MA 01020-4114
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229606
Date	Feb 22, 2022
Instrument	229606

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	54 CAMBRIDGE ST, CHICOPEE, MA 01020-4114
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229607
Date	Feb 22, 2022
Instrument	229607

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Jan 10, 2020
Property Address	54 CAMBRIDGE ST, CHICOPEE, MA 01020-4114
Document Number	0000220818
Instrument Date	Jan 2, 2020
Instrument	220818
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,074.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	132 BALD MOUNTAIN RD BERNARDSTON MA 013379768, BERNARDSTON, MA 01337-9768

Mortgage

Document Number	220819
Date	Jan 10, 2020
Instrument	220819

Lender

Name	GREENFIELD CO-OP BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 9, 2050

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
2026	$4,677.00 (+5.12%)	$306,900 (+4.57%) Land $112,500 Building $194,400	$325,441 (-11.53%)
2025	$4,449.00 (+5.48%)	$293,500 (+2.69%) Land $103,300 Building $190,200	$367,840
2024	$4,218.00 (+6.62%)	$285,800 (+9.46%) Land $101,200 Building $184,600
2023	$3,956.00	$261,100 Land $92,000 Building $169,100

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

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	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 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.

Nearby Properties on Cambridge St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures