Hampden County and Chicopee City property record for 86 Francis St, Chicopee, MA 01013
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,140 sqft · built 1952 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $143,000 (Jan 2012) |
| Tax Bill | $4,040 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 39-00059 |
| Primary APN | 39-00059 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,140 sqft Living Area |
| Gross Area | 2,861 sqft |
| 1st Floor Area | 932 sqft |
| Attic | Attic |
| Attic Area | 832 sqft |
| Basement Area | 832 sqft |
| Unfinished Basement | 832 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 39-00059 |
|---|---|
| Street Address | 86 FRANCIS ST |
| City | CHICOPEE |
| State | MA |
| Zip | 01013-3412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 2 |
| Jurisdiction | CHICOPEE MA |
| Township / Civil Division | CHICOPEE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 810902 |
86 Francis St is owned and occupied by an individual who bought it in January 2012.
Source: Hampden County and Chicopee City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| 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.
| Date | Document |
|---|---|
| Jul 31, 2026 | Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Mar 1, 2024 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Apr 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Apr 6, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2012 · Amount on File |
| Deed Sale | Jan 4, 2012 · Amount on File |
| Prior Sale | Sep 12, 2003 |
| Deed Book / Page | 19068 / 163 |
| Transfer Doc | 20784-241 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Recording Date | Jul 31, 2026 |
| Property Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| Document Number | 0000036144 |
| Book / Page | 26443 / 168 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202636144 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| Document Number | 0000036144, |
|---|---|
| Date | Jul 31, 2026 |
| Book Page | 26443/168 |
| Instrument | 202636144 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 229 Months |
| Due | Aug 1, 2045 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 025338-321 |
|---|---|
| Date | Mar 1, 2024 |
| Book Page | 25338/321 |
| Instrument | 9078 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 253 Months |
| Due | Apr 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024494-184 |
|---|---|
| Date | Apr 11, 2022 |
| Book Page | 24494/184 |
| Instrument | 21912 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 277 Months |
| Due | May 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHICOPEE MA |
| Property Address | 86 FRANCIS ST, CHICOPEE, MA 01013-3412 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23807-211 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 23807/211 |
| Instrument | 23807211 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 289 Months |
| Due | May 1, 2045 |
The 2026 property tax bill for 86 Francis St was $4,040, up 5.8% from the year before.
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 | $4,040.00 (+5.79%) | $265,100 (+5.24%) Land $110,000 Building $155,100 | $286,414 (+11.29%) |
| 2025 | $3,819.00 (+5.44%) | $251,900 (+2.65%) Land $100,700 Building $151,200 | $257,355 |
| 2024 | $3,622.00 (+6.78%) | $245,400 (+9.6%) Land $98,700 Building $146,700 | |
| 2023 | $3,392.00 | $223,900 Land $89,700 Building $134,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 86 Francis St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.
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 |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Feb 1978 · tidal / storm surge |
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.
The area around 86 Francis 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.
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 306 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 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures