259 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 259 Chapin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,758 sqft · built 1947
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (May 2020)
Tax Bill	$6,414 (2026)
Deeds & Mortgages	May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:27A-03650 B:122 L:2`

Property Details

APN / Parcel Number

Primary APN	`M:27A-03650 B:122 L:2`
Alternative APNs	`LUDL M:27A B:3650 P:122 E:2` `2125`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,758 sqft Living Area
Gross Area	7,346 sqft
Basement Area	1,793 sqft
Unfinished Basement	1,793 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2125
Street Address	259 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	1016
Census Tract	810404

Owner

259 Chapin St is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	259 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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Jul 26, 1991 · Amount on File
Deed Document Number	202027643
Deed Book / Page	23236 / 256
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	May 29, 2020
Property Address	259 CHAPIN ST, LUDLOW, MA 01056-3722
Document Number	23236-256
Book / Page	023236 / 000256
Instrument Date	May 29, 2020
Instrument	27643
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,279.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	87 BARNA ST LUDLOW MA 010561202, LUDLOW, MA 01056-1202

Tax Assessment & Valuation

The 2026 property tax bill for 259 Chapin St was $6,414, down 3.5% 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	$6,414.00 (-3.55%)	$400,600 (+4.51%) Land $105,800 Building $294,800	$489,603 (+3.72%)
2025	$6,650.00 (+0.36%)	$383,300 (+4.64%) Land $96,200 Building $287,100	$472,055 (+8.23%)
2024	$6,626.00 (+4.66%)	$366,300 (+12.88%) Land $96,200 Building $270,100	$436,145
2023	$6,331.00	$324,500 Land $84,500 Building $240,000

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

Flood

FEMA maps place 259 Chapin St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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
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 259 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20