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Single Family ResidenceResidential
$336,249$197 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $280,000 on Oct 7, 2021

28 SPENCE ST

CHICOPEE, MA 01020
4
Beds
2.5
Baths
1,708 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1948
Year BuiltThe year the home was originally built, according to county records.
2
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

$336K
$311K low$361K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$280,000 · Oct 7, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,357 (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.$287,400 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$88,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$198,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$359,290

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.23
74
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
7
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
36
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.50 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

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.Cape Cod
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.17
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Yes
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(3)

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.

H
Chicopee High SchoolD
High · Grades 9–12 · 0.8 mi
E
Belcher
Elementary · Grades PK–2 · 1.3 mi
M
Bellamy Middle SchoolD+
Middle · Grades 6–8 · 3.1 mi

District: Chicopee School District

Neighborhood · ZIP 01020These 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.108
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.59

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.94%
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.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.29,769
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.2,288 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,377
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,218
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%

Owner Tools

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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

28 Spence 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 more than 66% of homes in Chicopee 01020
  • Costs less per square foot than 88% of homes in Chicopee 01020
  • Bigger than 77% of homes in Chicopee 01020
  • Has a smaller lot than 77% of homes in Chicopee 01020
  • Older than 70% of homes in Chicopee 01020

What homes are worth in Chicopee 01020

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

This home
$193K$529K

This home is worth more than 66% of homes in Chicopee 01020.

How it measures up in Chicopee 01020

The dot is this home. The mark in the middle is the typical home in Chicopee 01020.

Estimated value$336,249
CheaperTypical $311,076Pricier

Pricier than 66% of homes nearby

Price per ft²$197
CheaperTypical $258Pricier

Pricier than 12% of homes nearby

Living area1,708 ft²
SmallerTypical 1,269 ft²Bigger

Bigger than 77% of homes nearby

Lot size0.17 ac
SmallerTypical 0.23 acBigger

Bigger than 23% of homes nearby

Year built1948
OlderTypical 1955Newer

Newer than 30% of homes nearby

How 28 Spence St ranks against every home in each area.
MeasureThis homeChicopee 01020Hampden County
Estimated valuepricier than$336,24966% of homes52% of homes
Price per ft²pricier than$19712% of homes20% of homes
Living areabigger than1,708 ft²77% of homes59% of homes
Lot sizebigger than0.17 ac23% of homes26% of homes
Year builtnewer than194830% of homes35% of homes

About 28 Spence St

How much is 28 Spence St, Chicopee, MA worth?

The TopHap Estimate for 28 Spence St, Chicopee, MA is $336,249 as of Aug 30, 2026. The likely range is $311,471 to $361,027. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28 Spence St, Chicopee, MA last sell?

28 Spence St, Chicopee, MA last sold on Oct 7, 2021 for $280,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 28 Spence St, Chicopee, MA?

28 Spence St, Chicopee, MA has 4 bedrooms, 2.5 bathrooms, 1,708 square feet of living space and a 0.17-acre lot.

When was 28 Spence St, Chicopee, MA built?

28 Spence St, Chicopee, MA was built in 1948, making it 78 years old. It is a cape cod home. The building has 2 stories.

What schools serve 28 Spence St, Chicopee, MA?

28 Spence St, Chicopee, MA is assigned to Chicopee High School (high), rated D; Belcher (elementary); 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 28 Spence St, Chicopee, MA compare to other homes in Chicopee 01020?

Among the 8,937 homes in Chicopee 01020, it is worth more than 66% of them ($336,249 against a typical $311,076), its price per square foot is higher than 12% of them ($197 against a typical $258), it is bigger than 77% of them (1,708 ft² against a typical 1,269 ft²), its lot is bigger than 23% of them (0.17 ac against a typical 0.23 ac) and it is newer than 30% of them (1948 against a typical 1955). Measured against all of Hampden County, it is worth more than 52% 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 28 Spence St, Chicopee, MA?

The 2025 property tax bill for 28 Spence St, Chicopee, MA was $4,357. The county assessed it at $287,400.

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