Hampden County and Ludlow Town property record for 384 Chapin St, Ludlow, MA 01056
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 1.5 ba · 1,198 sqft · built 1983 |
| Lot Size | 0.723 acres (31,496 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,000 (Mar 2018) |
| Tax Bill | $3,376 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:27B-03650 B:112K L:0 |
| Primary APN | M:27B-03650 B:112K L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 1,826 sqft |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Condo/Apartment |
| Construction Type | Frame |
| Lot Area | 31,496 sqft |
| Account Number | 2088 |
|---|---|
| Street Address | 384 CHAPIN ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3728 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Block | 3650 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records · APN M:27B-03650 B:112K L:0
Assessment roll updated April 14, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 384 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU |
| Nov 02, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU |
| Mar 30, 2018 | Quit Claim Deed, Transfer C U MEMBERS MTG CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 30, 2018 · Amount on Record |
| Deed Sale | Mar 30, 2018 · Amount on Record |
| Prior Sale | Aug 17, 2009 · Amount on Record |
| Deed Book / Page | 22113 / 373 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 384 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025003-143 |
|---|---|
| Date | May 12, 2023 |
| Book Page | 25003/143 |
| Instrument | 21548 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 384 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23511-417 |
|---|---|
| Date | Nov 02, 2020 |
| Book Page | 23511/417 |
| Instrument | 64252 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Mar 30, 2018 |
| Property Address | 384 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Document Number | 22113-373 |
| Book / Page | 22113 / 373 |
| Instrument | 16562 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26.46 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 384 CHAPIN ST, LUDLOW, MA 01056-3728 |
| Document Number | 221130376 |
|---|---|
| Date | Mar 30, 2018 |
| Instrument | 22113/0376 |
| Name | C U MEMBERS MTG CORP |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 30, 2048 |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,376.00 (-1.14%) | $194,600 (+3.07%) Building $194,600 | $226,670 (+11.7%) |
| 2024 | $3,415.00 (+0.15%) | $188,800 (+8.01%) Building $188,800 | $202,920 |
| 2023 | $3,410.00 | $174,800 Building $174,800 |
Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, GoNetspeed, Verizon.
Based on FCC filings for 287 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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