88 Hearthstone Ter, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 88 Hearthstone Ter, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,052 sqft · built 1954
Lot Size	0.513 acres (22,360 sqft)
Owner	Individual Name on Record
Last Sale	$144,900 (Apr 2005)
Tax Bill	$4,244 (2026)
Deeds & Mortgages	Jul 2022 Refinance May 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`229-00020`

Property Details

APN / Parcel Number

Primary APN	`229-00020`
Alternative APN	`CHIC M:0229 P:00020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	3,109 sqft
1st Floor Area	1,052 sqft
Basement Area	315 sqft
Unfinished Basement	315 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,360 sqft (0.513 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	229-00020
Street Address	88 HEARTHSTONE TER
City	CHICOPEE
State	MA
Zip	01020-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	4
Legal Subdivision	HEARTHSTONE TERRACE
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	4
Census Block	4001
Census Tract	811000

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	88 HEARTHSTONE TER, CHICOPEE, MA 01020-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
May 24, 2022	Warranty Deed, Transfer
Nov 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2005 · Amount on Record
Deed Sale	Apr 29, 2005 · Amount on Record
Deed Document Number	2005150811
Deed Book / Page	14982 / 434
Last Transfer Date	May 24, 2022
Transfer Doc	024560-539
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	88 HEARTHSTONE TER, CHICOPEE, MA 01020-1316
Transaction Type	Mortgage
Record Updated	Jul 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024626-497
Date	Jul 6, 2022
Book Page	24626/497
Instrument	40789

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2042

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHICOPEE MA
Recording Date	May 24, 2022
Property Address	88 HEARTHSTONE TER, CHICOPEE, MA 01020-1316
Document Number	024560-539
Book / Page	24560 / 539
Instrument Date	May 24, 2022
Instrument	31484
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	88 HEARTHSTONE TER, CHICOPEE, MA 01020-1316

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	88 HEARTHSTONE TER, CHICOPEE, MA 01020-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23529-51
Date	Nov 10, 2020
Book Page	23529/51
Instrument	66520

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2040

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	$4,244.00 (+8.71%)	$278,500 (+8.16%) Land $108,000 Building $170,500	$283,830 (+19.32%)
2025	$3,904.00 (+5.43%)	$257,500 (+2.63%) Land $96,300 Building $161,200	$237,880
2024	$3,703.00 (+7.52%)	$250,900 (+10.38%) Land $94,400 Building $156,500
2023	$3,444.00	$227,300 Land $85,900 Building $141,400

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 97% of the US · lower than 94% 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.

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 398 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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