Hampden County and Chester Town property record for 91 Prospect St, Chester, MA 01011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,272 sqft · built 1880 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Jul 2022) |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | CHES M:201.0 B:0000 P:0128.0 |
| Primary APN | CHES M:201.0 B:0000 P:0128.0 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,272 sqft Living Area |
| Gross Area | 1,752 sqft |
| 1st Floor Area | 792 sqft |
| Basement Area | 480 sqft |
| Unfinished Basement | 480 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Stone |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 43,560 sqft (1 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 91 PROSPECT ST |
|---|---|
| City | CHESTER |
| State | MA |
| Zip | 01011-9656 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Jurisdiction | CHESTER MA |
| Township / Civil Division | CHESTER |
| Census Block Group | 1 |
| Census Block | 1075 |
| Census Tract | 813001 |
91 Prospect St is owned and occupied by two individuals who bought it in July 2022.
Source: Hampden County and Chester Town records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 91 PROSPECT ST, CHESTER, MA 01011-9656 |
| 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 |
|---|---|
| Apr 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Jul 1, 2022 | Quit Claim Deed, Transfer · FHA Mortgage FIRST FEDERAL BANK |
| Jul 21, 2021 | Quit Claim Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 2022 · Amount on File |
| Deed Sale | Jul 1, 2022 · Amount on File |
| Prior Sale | Jul 21, 2021 · Amount on File |
| Deed Document Number | 202240077 |
| Deed Book / Page | 24621 / 563 |
| Prior Transfer Date | Jun 30, 2022 |
| Prior Transfer Doc | 024621-563 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER MA |
| Property Address | 91 PROSPECT ST, CHESTER, MA 01011-9656 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0024978-21 |
|---|---|
| Date | Apr 21, 2023 |
| Book Page | 24978/21 |
| Instrument | 17857 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER MA |
| Property Address | 91 PROSPECT ST, CHESTER, MA 01011-9656 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025219-306 |
|---|---|
| Date | Nov 7, 2023 |
| Book Page | 25219/306 |
| Instrument | 53069 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Dec 1, 2063 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHESTER MA |
| Recording Date | Jul 1, 2022 |
| Property Address | 91 PROSPECT ST, CHESTER, MA 01011-9656 |
| Document Number | 024621-563 |
| Book / Page | 24621 / 563 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 40077 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8 PROSPECT ST, NORTH OXFORD, MA 01537-1120 |
| Document Number | 0000040078 |
|---|---|
| Date | Jul 1, 2022 |
| Instrument | 40078 |
| Name | FIRST FEDERAL BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 024621-580 |
|---|---|
| Date | Jul 1, 2022 |
| Book Page | 24621/580 |
| Instrument | 40079 |
| Name | FEDERAL HM LOAN BANK |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHESTER MA |
| Recording Date | Jul 21, 2021 |
| Property Address | 91 PROSPECT ST, CHESTER, MA 01011-9656 |
| Document Number | 024011-456 |
| Book / Page | 24011 / 456 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 50576 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 ROOSEVELT TER, SPRINGFIELD, MA 01109-2421 |
The 2025 property tax bill for 91 Prospect St was $4,110, up 5.7% from the year before.
Source: Hampden County and Chester Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Chester Town |
| Unified School District | Gateway School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,110.00 (+5.74%) | $227,600 (-) Land $21,800 Building $205,800 | $295,735 (+6.61%) |
| 2024 | $3,887.00 (+19.05%) | $227,600 (+24.3%) Land $21,800 Building $205,800 | $277,400 |
| 2023 | $3,265.00 | $183,100 Land $21,800 Building $161,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 91 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 16 policies |
| Nearby Flood Policies | 16 in force |
| Nearby Flood Claims | 2 (2014–2018) |
| Most Recent Claim | Jan 2018 · river or lake flooding |
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.
Wildfire risk around 91 Prospect 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 | Direct burnable vegetation |
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 | CHESTER WATER DEPT serves 750 people · EPA ID MA1059000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 5 ppb (2018–2020) action level 15 ppb |
| Water Quality | Haloacetic acids not recorded as resolved · Jul 2024 Treatment failure not recorded as resolved · Jul 2024 Total trihalomethanes not recorded as resolved · Apr 2024 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 91 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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