654 Skyline Trl, Chester, MA 01011 Property Records

Hampden County and Chester Town property record for 654 Skyline Trl, Chester, MA 01011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,768 sqft · built 2022
Lot Size	3.84 acres (167,270 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Mar 2026)
Tax Bill	$5,573 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`CHES M:401.0 B:0008 P:0010.0`

Property Details

APN / Parcel Number

Primary APN	`CHES M:401.0 B:0008 P:0010.0`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	167,270 sqft (3.84 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	654 SKYLINE TRL
City	CHESTER
State	MA
Zip	01011-9536
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Block	8
Jurisdiction	CHESTER MA
Township / Civil Division	CHESTER
Census Block Group	1
Census Block	1016
Census Tract	813001

Owner

654 Skyline Trl is owned and occupied by two individuals who bought it in March 2026.

Source: Hampden County and Chester Town records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	654 SKYLINE TRL, CHESTER, MA 01011-9536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jan 22, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) WESTFIELD BANK FSB
Mar 19, 2026	Quit Claim Deed, Transfer · ARM POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2026 · Amount on File
Deed Sale	Mar 19, 2026 · Amount on File
Prior Sale	Dec 11, 1995 · Amount on File
Deed Book / Page	26257 / 492
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTER MA
Property Address	654 SKYLINE TRL, CHESTER, MA 01011-9536
Transaction Type	Mortgage
Record Updated	Apr 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025296-354
Date	Jan 22, 2024
Book Page	25296/354
Instrument	2749

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESTER MA
Recording Date	Mar 19, 2026
Property Address	654 SKYLINE TRL, CHESTER, MA 01011-9536
Document Number	026257-492
Book / Page	26257 / 492
Instrument Date	Mar 17, 2026
Instrument	11635
Transaction Type	Transfer
Record Updated	Apr 8, 2026

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

Mortgage

Document Number	0000011636
Date	Mar 19, 2026
Instrument	11636

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2033
Index	LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 654 Skyline Trl was $5,573, up 43.2% from the year before.

Source: Hampden County and Chester Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Chester Town
Unified School District	Gateway School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,573.00 (+43.15%)	$308,600 (+35.41%) Land $39,800 Building $268,800	$479,560 (+79.58%)
2024	$3,893.00 (+448.31%)	$227,900 (+472.61%) Land $39,800 Building $188,100	$267,045
2023	$710.00	$39,800 Land $39,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 654 Skyline Trl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2014.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2014–2018)
Most Recent Claim	Jan 2018 · river or lake flooding

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

Wildfire risk around 654 Skyline Trl is low, with a 0.01% annual chance of 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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