86 Garland St, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 86 Garland St, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1958
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on File
Last Sale	$232,000 (Nov 2020)
Tax Bill	$4,872 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`511-00018`

Property Details

APN / Parcel Number

Primary APN	`511-00018`
Alternative APN	`CHIC M:0511 P:00018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	2,128 sqft
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft
Unfinished Basement	1,048 sqft
Game Room	Game Room

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	511-00018
Street Address	86 GARLAND ST
City	CHICOPEE
State	MA
Zip	01020-2927
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	1003
Census Tract	811200

Owner

86 Garland St is owned and occupied by an individual who bought it in November 2020.

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

Owner of Record	Individual Name on File
Mailing Address	86 GARLAND ST, CHICOPEE, MA 01020-2927
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
Nov 2, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Feb 16, 2018	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2020 · Amount on File
Deed Sale	Nov 2, 2020 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Document Number	202064172
Deed Book / Page	23511 / 47
Prior Transfer Date	Oct 23, 2020
Prior Transfer Doc	23511-47
Record Updated	Oct 29, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Nov 2, 2020
Property Address	86 GARLAND ST, CHICOPEE, MA 01020-2927
Document Number	23511-47
Book / Page	23511 / 47
Instrument Date	Oct 23, 2020
Instrument	64172
Transaction Type	Transfer
Record Updated	May 11, 2021

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
Address	20 EASTHAMPTON RD APT B1, B1, HOLYOKE, MA 01040-6855
Investor	Possibly a Property Investor

Mortgage

Document Number	64173
Date	Nov 2, 2020
Instrument	64173

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CHICOPEE MA
Recording Date	Feb 16, 2018
Property Address	86 GARLAND ST, CHICOPEE, MA 01020-2927
Document Number	22063-398
Book / Page	022063 / 000398
Instrument Date	Feb 15, 2018
Instrument	8513
Transaction Type	Transfer
Record Updated	Mar 7, 2018

Transaction

Amount	Amount on Record
Tax	$558.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 GRANDVIEW AVE LUDLOW MA 010562259, LUDLOW, MA 01056-2259

Tax Assessment & Valuation

The 2026 property tax bill for 86 Garland St was $4,872, up 7% 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	$4,872.00 (+6.98%)	$319,700 (+6.42%) Land $121,000 Building $198,700	$307,447 (+20.62%)
2025	$4,554.00 (+5.49%)	$300,400 (+2.7%) Land $110,800 Building $189,600	$254,885
2024	$4,317.00 (+7.93%)	$292,500 (+10.8%) Land $108,600 Building $183,900
2023	$4,000.00	$264,000 Land $98,700 Building $165,300

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

Flood

FEMA maps place 86 Garland St 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 86 Garland St 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	None beyond 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 492 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T.

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