38 Kline Rd, Southwick, MA 01077 Property Records

Hampden County and Southwick Town property record for 38 Kline Rd, Southwick, MA 01077

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,760 sqft · built 1970
Lot Size	1.37 acres (60,039 sqft)
Owner	Individual Name on File
Last Sale	$492,000 (Oct 2022)
Tax Bill	$7,777 (2025)
Deeds & Mortgages	Feb 2026 Mortgage May 2021 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`SWIC M:061 B:000 L:011`

Property Details

APN / Parcel Number

Primary APN	`SWIC M:061 B:000 L:011`
Alternative APN	`M:000D B:0000 L:0226`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,760 sqft Living Area
Gross Area	4,168 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	60,039 sqft (1.37 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Street Address	38 KLINE RD
City	SOUTHWICK
State	MA
Zip	01077-9714
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-40
Legal Lot Number	11
Jurisdiction	SOUTHWICK MA
Township / Civil Division	SOUTHWICK
Census Block Group	2
Census Block	2004
Census Tract	813102

Owner

38 Kline Rd is owned and occupied by an individual who bought it in October 2022.

Source: Hampden County and Southwick Town records, as of April 14, 2026

Owner of Record	Individual Name on File
Mailing Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
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
Feb 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORP
May 17, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Oct 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHPOINT MORTGAGE INC
Aug 12, 2020	Deed of Trust, Mortgage · Balloon Mortgage MASSMUTUAL FEDERAL CREDIT UNION
Aug 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MASSMUTUAL FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2022 · Amount on File
Deed Sale	Oct 21, 2022 · Amount on File
Prior Sale	Aug 13, 2009 · Amount on File
Deed Book / Page	24773 / 370
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026213-277
Date	Feb 9, 2026
Book Page	26213/277
Instrument	5637

Lender

Name	BETTER MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023887-94
Date	May 17, 2021
Book Page	23887/94
Instrument	33740

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2041

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024274-433
Date	Nov 30, 2021
Book Page	24274/433
Instrument	84908

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

Interest

Rate Type	Adjustable Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SOUTHWICK MA
Recording Date	Oct 21, 2022
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Document Number	024773-370
Book / Page	24773 / 370
Instrument Date	Oct 21, 2022
Instrument	62623
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
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 COOLIDGE AVE, WESTFIELD, MA 01085-4205

Mortgage

Document Number	0000062624
Date	Oct 21, 2022
Instrument	62624

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23359-155
Date	Aug 12, 2020
Book Page	23359/155
Instrument	43939

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2040

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SOUTHWICK MA
Property Address	38 KLINE RD, SOUTHWICK, MA 01077-9714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23359-148
Date	Aug 12, 2020
Book Page	23359/148
Instrument	43938

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	97 Months
Due	Sep 1, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 38 Kline Rd was $7,777, up 5.7% from the year before.

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

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Southwick Town
Unified School District	Southwick-Tolland-Granville Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,777.00 (+5.68%)	$499,500 (+5%) Land $85,100 Building $414,400	$522,120
2024	$7,359.00 (+37.06%)	$475,700 (+42.72%) Land $78,600 Building $397,100
2023	$5,369.00	$333,300 Land $78,600 Building $254,700

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

Flood

FEMA maps place 38 Kline Rd in Zone X, an area of moderate flood risk.

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

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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 38 Kline 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Kline Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures