Hampden County and Ludlow Town property record for 348 Chapin St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,203 sqft · built 1954 |
| Lot Size | 0.345 acres (15,028 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,000 (Dec 2014) |
| Tax Bill | $4,344 (2026) |
| Deeds & Mortgages | Mar 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:27A-03650 B:173 L:0 |
| Primary APN | M:27A-03650 B:173 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,203 sqft Living Area |
| Gross Area | 4,232 sqft |
| Basement Area | 962 sqft |
| Unfinished Basement | 962 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,028 sqft (0.345 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 2157 |
|---|---|
| Street Address | 348 CHAPIN ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3728 |
| 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 | 1012 |
| Census Tract | 810404 |
348 Chapin St is owned and occupied by an individual who bought it in December 2014.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 348 CHAPIN ST, LUDLOW, MA 01056-3728 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2014 · Amount on File |
| Deed Sale | Dec 5, 2014 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 348 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23733-184 |
|---|---|
| Date | Mar 1, 2021 |
| Book Page | 23733/184 |
| Instrument | 13606 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
The 2026 property tax bill for 348 Chapin St was $4,344, down 3.1% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,344.00 (-3.1%) | $271,300 (+4.99%) Land $84,500 Building $186,800 | $293,229 (-8.11%) |
| 2025 | $4,483.00 (+3.08%) | $258,400 (+7.49%) Land $76,900 Building $181,500 | $319,105 (+5.56%) |
| 2024 | $4,349.00 (+6.57%) | $240,400 (+14.91%) Land $76,700 Building $163,700 | $302,290 |
| 2023 | $4,081.00 | $209,200 Land $67,300 Building $141,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 348 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 risk around 348 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 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: AT&T, GoNetspeed, Verizon.
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