58 Charles St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 58 Charles St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,338 sqft · built 1900
Lot Size	0.212 acres (9,240 sqft)
Owner	Individual Name on File
Last Sale	$225,000 (Aug 2020)
Tax Bill	$4,206 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`126-00081`

Property Details

APN / Parcel Number

Primary APN	`126-00081`
Alternative APN	`CHIC M:0126 P:00081`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,338 sqft Living Area
Gross Area	2,666 sqft
1st Floor Area	863 sqft
Basement Area	731 sqft
Unfinished Basement	731 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,240 sqft (0.212 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	126-00081
Street Address	58 CHARLES ST
City	CHICOPEE
State	MA
Zip	01020-3453
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3006
Census Tract	810700

Owner

58 Charles St is owned and occupied by an individual who bought it in August 2020.

Source: Hampden County and Chicopee City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	58 CHARLES ST, CHICOPEE, MA 01020-3453
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Deed of Trust, Mortgage · Line of Credit CMG MORTGAGE INC
Aug 20, 2020	Quit Claim Deed, Transfer · FHA Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Sep 2, 2009 · Amount on File
Deed Document Number	202045991
Deed Book / Page	23374 / 388
Prior Transfer Date	Aug 19, 2020
Prior Transfer Doc	23374-388
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Recording Date	Apr 23, 2026
Property Address	58 CHARLES ST, CHICOPEE, MA 01020-3453
Document Number	026302-401
Book / Page	26302 / 401
Instrument Date	Mar 13, 2026
Instrument	202617619
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 CHARLES ST, CHICOPEE, MA 01020-3453

Mortgage

Document Number	0000017619,
Date	Apr 23, 2026
Book Page	26302/401
Instrument	202617619

Lender

Name	CMG MORTGAGE INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 1, 2036

Interest

Rate	6.09%
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Aug 20, 2020
Property Address	58 CHARLES ST, CHICOPEE, MA 01020-3453
Document Number	23374-388
Book / Page	23374 / 388
Instrument Date	Aug 19, 2020
Instrument	45991
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	90 MARLBOROUGH ST, CHICOPEE, MA 01020-2422

Mortgage

Document Number	45992
Date	Aug 20, 2020
Instrument	45992

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 58 Charles St was $4,206, up 5.2% from the year before.

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	$4,206.00 (+5.18%)	$276,000 (+4.62%) Land $95,600 Building $180,400	$306,679 (+6.3%)
2025	$3,999.00 (+5.54%)	$263,800 (+2.77%) Land $87,300 Building $176,500	$288,515
2024	$3,789.00 (+6.73%)	$256,700 (+9.56%) Land $85,600 Building $171,100
2023	$3,550.00	$234,300 Land $77,800 Building $156,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 58 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.

Wildfire

The area around 58 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.

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.

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