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Single Family ResidenceResidential
$254,621$182 / 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 82How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $226,000 on Aug 21, 2024

278 ROUTE 20

CHESTER, MA 01011
3
Beds
1
Baths
1,399 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.
0.52 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$255K
$208K low$301K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$226,000 · Aug 21, 2024
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.$28,621
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$22,897
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.89%
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.$201,000
MONSON SAVINGS BANK · P · recorded Aug 21, 2024
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.$25,000
MONSON SAVINGS BANK

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,513 (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.$194,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$18,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$175,700
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$211,280

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.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.52
ConstructionThe main material the home's frame and walls are built from.Brick
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(11)

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
Chester Elementary SchoolC
Elementary · Grades PK–5 · 1.5 mi
M
Gateway Regional Middle School
Middle · Grades 6–8 · 5.7 mi
H
Gateway Regional High SchoolC
High · Grades 9–12 · 5.7 mi

District: Gateway School District

Neighborhood · ZIP 01011These 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.141
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.89
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.53

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.85%
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.6.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.1,225
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.31 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$80,695
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$92,066
Average tempThe average temperature here across a full year.44°F
Annual precipHow much rain and melted snow falls here in a typical year.59 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.Absentee owner
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

278 Route 20 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 87% of homes in Hampden County
  • Costs less per square foot than 88% of homes in Hampden County
  • Has a smaller lot than 78% of homes in Chester 01011
  • Older than 81% of homes in Hampden County

What homes are worth in Chester 01011

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

This home
$119K$692K

This home is worth more than 40% of homes in Chester 01011.

How it measures up in Chester 01011

The dot is this home. The mark in the middle is the typical home in Chester 01011.

Estimated value$254,621
CheaperTypical $282,730Pricier

Pricier than 40% of homes nearby

Price per ft²$182
CheaperTypical $194Pricier

Pricier than 44% of homes nearby

Living area1,399 ft²
SmallerTypical 1,575 ft²Bigger

Bigger than 37% of homes nearby

Lot size0.52 ac
SmallerTypical 2.8 acBigger

Bigger than 22% of homes nearby

Year built1920
OlderTypical 1950Newer

Newer than 40% of homes nearby

How 278 Route 20 ranks against every home in each area.
MeasureThis homeChester 01011Hampden County
Estimated valuepricier than$254,62140% of homes13% of homes
Price per ft²pricier than$18244% of homes12% of homes
Living areabigger than1,399 ft²37% of homes41% of homes
Lot sizebigger than0.52 ac22% of homes70% of homes
Year builtnewer than192040% of homes19% of homes

About 278 Route 20

How much is 278 Route 20, Chester, MA worth?

The TopHap Estimate for 278 Route 20, Chester, MA is $254,621 as of Jul 14, 2026. The likely range is $208,291 to $300,951. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 278 Route 20, Chester, MA last sell?

278 Route 20, Chester, MA last sold on Aug 21, 2024 for $226,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 278 Route 20, Chester, MA?

278 Route 20, Chester, MA has 3 bedrooms, 1 bathrooms, 1,399 square feet of living space and a 0.52-acre lot.

When was 278 Route 20, Chester, MA built?

278 Route 20, Chester, MA was built in 1920, making it 106 years old. It is a conventional home. The building has 1 story.

What schools serve 278 Route 20, Chester, MA?

278 Route 20, Chester, MA is assigned to Chester Elementary School (elementary), rated C; Gateway Regional Middle School (middle); Gateway Regional High School (high), rated C. All sit in Gateway School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 278 Route 20, Chester, MA compare to other homes in Chester 01011?

Among the 600 homes in Chester 01011, it is worth more than 40% of them ($254,621 against a typical $282,730), its price per square foot is higher than 44% of them ($182 against a typical $194), it is bigger than 37% of them (1,399 ft² against a typical 1,575 ft²), its lot is bigger than 22% of them (0.52 ac against a typical 2.8 ac) and it is newer than 40% of them (1920 against a typical 1950). Measured against all of Hampden County, it is worth more than 13% 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 278 Route 20, Chester, MA?

The 2025 property tax bill for 278 Route 20, Chester, MA was $3,513. The county assessed it at $194,500.

Closest homes

More homes in Chester 01011

Assigned schools

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