79 Kowal Dr, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 79 Kowal Dr, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,816 sqft · built 1982
Lot Size	0.415 acres (18,061 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Dec 2018)
Tax Bill	$6,876 (2026)
Deeds & Mortgages	Oct 2025 Second Mortgage Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`437-00102`

Property Details

APN / Parcel Number

Primary APN	`437-00102`
Alternative APN	`CHIC M:0437 P:00102`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,816 sqft Living Area
Gross Area	4,108 sqft
1st Floor Area	1,816 sqft
Basement Area	722 sqft
Unfinished Basement	722 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,061 sqft (0.415 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	437-00102
Street Address	79 KOWAL DR
City	CHICOPEE
State	MA
Zip	01020-4941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	9
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	1
Census Block	1001
Census Tract	810602

Owner

79 Kowal Dr is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
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
Oct 27, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM CU
Apr 24, 2017	Deed of Trust, Mortgage WESTFIELD BANK
Jan 24, 2018	Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK
Mar 24, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
Dec 13, 2018	Quit Claim Deed, Transfer · Conventional with PMI FREEDOM CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on File
Deed Sale	Dec 13, 2018 · Amount on File
Prior Sale	Jul 14, 2014 · Amount on File
Deed Book / Page	22482 / 196
Prior Transfer Date	Dec 5, 2018
Prior Transfer Doc	22482-196
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	026084-272
Date	Oct 27, 2025
Book Page	26084/272
Instrument	51170

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21650-187
Date	Apr 24, 2017
Book Page	21650/187
Instrument	21818

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	120 Months
Due	Apr 1, 2027

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22037-4
Date	Jan 24, 2018
Book Page	22037/4
Instrument	4067

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jan 1, 2043

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23140-172
Date	Mar 24, 2020
Book Page	23140/172
Instrument	15632

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Dec 13, 2018
Property Address	79 KOWAL DR, CHICOPEE, MA 01020-4941
Document Number	22482-196
Book / Page	022482 / 000196
Instrument Date	Dec 5, 2018
Instrument	74183
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,534.50
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	675 PENDLETON AVE CHICOPEE MA 010202946, CHICOPEE, MA 01020-2946

Mortgage

Document Number	22482-200
Date	Dec 13, 2018
Book Page	022482/000200
Instrument	74184

Lender

Name	FREEDOM CU

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 79 Kowal Dr was $6,876, up 6.9% 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	$6,876.00 (+6.9%)	$451,200 (+6.34%) Land $134,700 Building $316,500	$471,603 (+5.6%)
2025	$6,432.00 (+5.39%)	$424,300 (+2.61%) Land $120,600 Building $303,700	$446,595
2024	$6,103.00 (+7.88%)	$413,500 (+10.74%) Land $118,200 Building $295,300
2023	$5,657.00	$373,400 Land $107,500 Building $265,900

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

Flood

FEMA maps place 79 Kowal Dr 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

Wildfire risk around 79 Kowal Dr 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	Indirect 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 189 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Crossroads Fiber Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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