231 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 231 Chapin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,452 sqft · built 1958
Lot Size	0.795 acres (34,630 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Sep 2022)
Tax Bill	$5,118 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:028-03650 B:34 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:028-03650 B:34 L:0`
Alternative APNs	`LUDL M:28 B:3650 P:34` `1957`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,452 sqft Living Area
Gross Area	3,466 sqft
Basement Area	2,175 sqft
Unfinished Basement	2,175 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	34,630 sqft (0.795 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1957
Street Address	231 CHAPIN ST
City	LUDLOW
State	MA
Zip	01056-3722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1038
Census Tract	810404

Owner

231 Chapin St is owned and occupied by an individual who bought it in September 2022.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	231 CHAPIN ST, LUDLOW, MA 01056-3722
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
Dec 16, 2025	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Sep 8, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage COUNTRY BANK
Jul 15, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Jul 15, 2022 · Amount on File
Deed Book / Page	24717 / 123
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	231 CHAPIN ST, LUDLOW, MA 01056-3722
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026151-395
Date	Dec 16, 2025
Book Page	26151/395
Instrument	60075

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	289 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 8, 2022
Property Address	231 CHAPIN ST, LUDLOW, MA 01056-3722
Document Number	024717-123
Book / Page	24717 / 123
Instrument Date	Sep 8, 2022
Instrument	54443
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 CHAPIN ST, LUDLOW, MA 01056-3722

Mortgage

Document Number	0000054444
Date	Sep 8, 2022
Instrument	54444

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 15, 2022
Property Address	231 CHAPIN ST, LUDLOW, MA 01056-3722
Document Number	0024640-65
Book / Page	24640 / 65
Instrument Date	Jul 14, 2022
Instrument	42992
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4007 ASHTON VILLA CT, SUGAR LAND, TX 77479-3824

Tax Assessment & Valuation

The 2026 property tax bill for 231 Chapin St was $5,118, up 8.6% from the year before.

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Ludlow Town
Unified School District	Ludlow School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,118.00 (+8.57%)	$319,700 (+17.67%) Land $85,700 Building $234,000	$388,431 (+11.35%)
2025	$4,714.00 (+4.57%)	$271,700 (+9.03%) Land $77,900 Building $193,800	$348,840 (+6.62%)
2024	$4,508.00 (+7.31%)	$249,200 (+15.75%) Land $77,800 Building $171,400	$327,180
2023	$4,201.00	$215,300 Land $64,700 Building $150,600

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

Flood

FEMA maps place 231 Chapin 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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

Wildfire risk around 231 Chapin 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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