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Single Family ResidenceResidential
$299,069$261 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jun 23, 2026
Last sold for $158,000 on Sep 29, 2005

21 CLOVER ST

CHICOPEE, MA 01013
3
Beds
1
Baths
1,148 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1910
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$299K
$275K low$323K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$158,000 · Sep 29, 2005
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$134,069
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$107,255
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.55%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$135,000
PEOPLESBANK (HOLYOKE MA) · R · recorded Mar 31, 2021
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$30,000
PEOPLES BANK, THE

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,676 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$242,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$98,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$144,500
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$236,400

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.15 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyHampden
Lot (acres)The size of the land the home sits on, from county records.0.22
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Steam
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(5)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Gen John J StefanikB+
Elementary · Grades KG–5 · 0.7 mi
H
Chicopee High SchoolD
High · Grades 9–12 · 1.9 mi
M
Bellamy Middle SchoolD+
Middle · Grades 6–8 · 2.8 mi

District: Chicopee School District

Neighborhood · ZIP 01013These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.23,119
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.3,814 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$58,915
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$80,546
Average tempThe average temperature here across a full year.49°F
Annual precipHow much rain and melted snow falls here in a typical year.46 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

21 Clover St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 68% of homes in Hampden County
  • Smaller than 76% of homes in Hampden County
  • Has a smaller lot than 65% of homes in Hampden County
  • Older than 88% of homes in Hampden County

What homes are worth in Chicopee 01013

Each bar is how many homes fall in that price range. The marker is this home.

This home
$185K$491K

This home is worth more than 50% of homes in Chicopee 01013.

How it measures up in Chicopee 01013

The dot is this home. The mark in the middle is the typical home in Chicopee 01013.

Estimated value$299,069
CheaperTypical $298,856Pricier

Pricier than 50% of homes nearby

Price per ft²$261
CheaperTypical $246Pricier

Pricier than 60% of homes nearby

Living area1,148 ft²
SmallerTypical 1,350 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.22 ac
SmallerTypical 0.19 acBigger

Bigger than 60% of homes nearby

Year built1910
OlderTypical 1950Newer

Newer than 19% of homes nearby

How 21 Clover St ranks against every home in each area.
MeasureThis homeChicopee 01013Hampden County
Estimated valuepricier than$299,06950% of homes32% of homes
Price per ft²pricier than$26160% of homes62% of homes
Living areabigger than1,148 ft²33% of homes24% of homes
Lot sizebigger than0.22 ac60% of homes35% of homes
Year builtnewer than191019% of homes12% of homes

About 21 Clover St

How much is 21 Clover St, Chicopee, MA worth?

The TopHap Estimate for 21 Clover St, Chicopee, MA is $299,069 as of Jun 23, 2026. The likely range is $275,143 to $322,994. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 21 Clover St, Chicopee, MA last sell?

21 Clover St, Chicopee, MA last sold on Sep 29, 2005 for $158,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 21 Clover St, Chicopee, MA?

21 Clover St, Chicopee, MA has 3 bedrooms, 1 bathrooms, 1,148 square feet of living space and a 0.22-acre lot.

When was 21 Clover St, Chicopee, MA built?

21 Clover St, Chicopee, MA was built in 1910, making it 116 years old. The building has 2 stories.

What schools serve 21 Clover St, Chicopee, MA?

21 Clover St, Chicopee, MA is assigned to Gen John J Stefanik (elementary), rated B+; Chicopee High School (high), rated D; Bellamy Middle School (middle), rated D+. All sit in Chicopee School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 21 Clover St, Chicopee, MA compare to other homes in Chicopee 01013?

Among the 5,691 homes in Chicopee 01013, it is worth more than 50% of them ($299,069 against a typical $298,856), its price per square foot is higher than 60% of them ($261 against a typical $246), it is bigger than 33% of them (1,148 ft² against a typical 1,350 ft²), its lot is bigger than 60% of them (0.22 ac against a typical 0.19 ac) and it is newer than 19% of them (1910 against a typical 1950). Measured against all of Hampden County, it is worth more than 32% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 21 Clover St, Chicopee, MA?

The 2025 property tax bill for 21 Clover St, Chicopee, MA was $3,676. The county assessed it at $242,500.

Closest homes

More homes in Chicopee 01013

Assigned schools

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