122 Ludlow Rd, Chicopee, MA 01020 Property Records

Hampden County and Chicopee City property record for 122 Ludlow Rd, Chicopee, MA 01020

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1920
Lot Size	0.604 acres (26,312 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Oct 2023)
Tax Bill	$4,346 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`762-00007`

Property Details

APN / Parcel Number

Primary APN	`762-00007`
Alternative APN	`CHIC M:0762 P:00007`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	3,144 sqft
1st Floor Area	936 sqft
Attic	Attic
Attic Area	936 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,312 sqft (0.604 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	762-00007
Street Address	122 LUDLOW RD
City	CHICOPEE
State	MA
Zip	01020-4475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	7
Jurisdiction	CHICOPEE MA
Township / Civil Division	CHICOPEE
Census Block Group	2
Census Block	2000
Census Tract	811302

Owner

122 Ludlow Rd is owned and occupied by an individual who bought it in October 2023.

Source: Hampden County and Chicopee City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 13, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QUICKEN LOANS INC
Sep 20, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Nov 13, 2020 · Amount on File
Deed Document Number	202350924
Deed Book / Page	25204 / 382
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Oct 26, 2023
Property Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475
Document Number	025204-382
Book / Page	25204 / 382
Instrument Date	Oct 26, 2023
Instrument	50924
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475

Mortgage

Document Number	0000050925
Date	Oct 26, 2023
Instrument	50925

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHICOPEE MA
Property Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475
Transaction Type	Mortgage
Record Updated	Jan 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024342-101
Date	Jan 5, 2022
Book Page	24342/101
Instrument	704

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	325 Months
Due	Feb 1, 2049

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Nov 13, 2020
Property Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475
Document Number	23533-571
Book / Page	23533 / 571
Instrument Date	Nov 13, 2020
Instrument	67193
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	CLARENDON ST, SPRINGFIELD, MA

Mortgage

Document Number	67194
Date	Nov 13, 2020
Instrument	67194

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHICOPEE MA
Recording Date	Sep 20, 2019
Property Address	122 LUDLOW RD, CHICOPEE, MA 01020-4475
Document Number	22861-337
Book / Page	022861 / 000337
Instrument Date	Sep 11, 2019
Instrument	54148
Transaction Type	Transfer
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$627.75
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 BESTON ST CHICOPEE MA 01013, CHICOPEE, MA 01013

Tax Assessment & Valuation

The 2026 property tax bill for 122 Ludlow Rd was $4,346, up 6.3% from the year before.

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	$4,346.00 (+6.34%)	$285,200 (+5.79%) Land $132,000 Building $153,200	$273,306 (+16.29%)
2025	$4,087.00 (+5.36%)	$269,600 (+2.59%) Land $119,800 Building $149,800	$235,030
2024	$3,879.00 (+6.86%)	$262,800 (+9.68%) Land $117,500 Building $145,300
2023	$3,630.00	$239,600 Land $106,800 Building $132,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 122 Ludlow Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 122 Ludlow Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 166 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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