Hampden County and Chicopee City property record for 657 Prospect St, Chicopee, MA 01020
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,006 sqft · built 1955 |
| Lot Size | 0.115 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $211,000 (Oct 2018) |
| Tax Bill | $4,964 (2026) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 688-00022 |
| Primary APN | 688-00022 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,006 sqft Living Area |
| Gross Area | 4,100 sqft |
| 1st Floor Area | 1,164 sqft |
| Basement Area | 1,164 sqft |
| Unfinished Basement | 1,164 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,000 sqft (0.115 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 688-00022 |
|---|---|
| Street Address | 657 PROSPECT ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01020-3047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 7 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 811301 |
Source: Hampden County and Chicopee City records, as of October 20, 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 | 657 PROSPECT ST, CHICOPEE, MA 01020-3047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| May 22, 2020 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Sep 6, 2019 | Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Oct 16, 2018 | Quit Claim Deed, Transfer · FHA Mortgage OCEANSIDE MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2018 · Amount on Record |
| Deed Sale | Oct 16, 2018 · Amount on Record |
| Prior Sale | Jul 18, 2012 · Amount on Record |
| Deed Book / Page | 22403 / 528 |
| Transfer Doc | 022403-528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 657 PROSPECT ST, CHICOPEE, MA 01020-3047 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 023627-317 |
|---|---|
| Date | Jan 4, 2021 |
| Book Page | 23627/317 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 657 PROSPECT ST, CHICOPEE, MA 01020-3047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23222-86 |
|---|---|
| Date | May 22, 2020 |
| Book Page | 23222/86 |
| Instrument | 25983 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 657 PROSPECT ST, CHICOPEE, MA 01020-3047 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22840-337 |
|---|---|
| Date | Sep 6, 2019 |
| Book Page | 22840/337 |
| Instrument | 50920 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Oct 16, 2018 |
| Property Address | 657 PROSPECT ST, CHICOPEE, MA 01020-3047 |
| Document Number | 22403-528 |
| Book / Page | 22403 / 528 |
| Instrument | 61919 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 224030531 |
|---|---|
| Date | Oct 16, 2018 |
| Instrument | 22403/0531 |
| Name | OCEANSIDE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 16, 2048 |
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 |
|---|---|---|---|
| 2026 | $4,964.00 (+3.46%) | $325,700 (+2.91%) Land $88,000 Building $237,700 | $340,280 (-9.73%) |
| 2025 | $4,798.00 (+5.54%) | $316,500 (+2.76%) Land $84,000 Building $232,500 | $376,960 |
| 2024 | $4,546.00 (+4.41%) | $308,000 (+7.17%) Land $82,400 Building $225,600 | |
| 2023 | $4,354.00 | $287,400 Land $74,900 Building $212,500 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 331 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 |
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