386 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 386 Chapin St, Ludlow, MA 01056

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,226 sqft · built 1983
Lot Size	0.723 acres (31,496 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Dec 2023)
Tax Bill	$3,194 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-03650 B:112L L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-03650 B:112L L:0`
Alternative APNs	`LUDL M:27B B:3650 P:112L` `2089`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,226 sqft Living Area
Gross Area	1,868 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	31,496 sqft

Location & Zoning

Account Number	2089
Street Address	386 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

Owner

Source: Hampden County and Ludlow Town records, as of July 20, 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 Record
Mailing Address	386 CHAPIN ST, LUDLOW, MA 01056-3728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	Nov 21, 2014 · Amount on Record
Deed Document Number	202361638
Deed Book / Page	25275 / 146
Record Updated	Sep 20, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 28, 2023
Property Address	386 CHAPIN ST, LUDLOW, MA 01056-3728
Document Number	025275-146
Book / Page	25275 / 146
Instrument Date	Dec 28, 2023
Instrument	61638
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount Recorded
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	386 CHAPIN ST, LUDLOW, MA 01056-3728

Mortgage

Document Number	0000061639
Date	Dec 28, 2023
Instrument	61639

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.63%
Type Change Date	Jan 1, 2029
Max Rate At Change	2.75%
Index	1-Year CMT

Tax Assessment & Valuation

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
2025	$3,194.00 (-0.87%)	$184,100 (+3.37%) Building $184,100	$214,130 (+8.89%)
2024	$3,222.00 (+0.03%)	$178,100 (+7.87%) Building $178,100	$196,650
2023	$3,221.00	$165,100 Building $165,100

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

Flood

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

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	None beyond ember reach

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 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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