85 Charles St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 85 Charles St, Chicopee, MA 01020

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,340 sqft · built 1923
Lot Size	0.136 acres (5,906 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Jun 2025)
Tax Bill	$6,605 (2026)
Deeds & Mortgages	Jun 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`105-00075`

Property Details

APN / Parcel Number

Primary APN	`105-00075`
Alternative APN	`CHIC M:0105 P:00075`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,340 sqft Living Area
Gross Area	5,132 sqft
1st Floor Area	1,170 sqft
Attic	Attic
Attic Area	1,170 sqft
Basement Area	1,170 sqft
Unfinished Basement	1,170 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,906 sqft (0.136 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	105-00075
Street Address	85 CHARLES ST
City	CHICOPEE
State	MA
Zip	01020-3452
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	4
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	3
Census Block	3012
Census Tract	810700

Owner

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	46 GLEN HEATHER LN, EAST LONGMEADOW, MA 01028-3038
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2025 · Amount on Record
Deed Sale	Jun 13, 2025 · Amount on Record
Prior Sale	Nov 6, 2024 · Amount on Record
Deed Book / Page	25901 / 164
Record Updated	Oct 29, 2026

June 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Jun 13, 2025
Property Address	85 CHARLES ST, CHICOPEE, MA 01020-3452
Document Number	025901-164
Book / Page	25901 / 164
Instrument Date	Jun 13, 2025
Instrument	26542
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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
Address	46 GLEN HEATHER LN, E LONGMEADOW, MA 01028-3038

Mortgage

Document Number	0000026543
Date	Jun 13, 2025
Instrument	26543

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$6,605.00 (+60.47%)	$433,400 (+59.63%) Land $77,700 Building $355,700	$404,120
2025	$4,116.00 (+5.76%)	$271,500 (+2.96%) Land $72,700 Building $198,800
2024	$3,892.00	$263,700 Land $71,300 Building $192,400

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.

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