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388 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 388 Chapin St, Ludlow, MA 01056

Property Summary

Property TypeCondominium
Details2 bd · 1.5 ba · 1,226 sqft · built 1983
Lot Size0.723 acres (31,496 sqft)
Owner2 Individual Names on File
Last Sale$143,000 (Jan 2012)
Tax Bill$3,194 (2025)
Deeds & MortgagesDec 2019 Mortgage
Dec 2019 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APNM:27B-03650 B:112M L:0

Property Details

APN / Parcel Number

Primary APNM:27B-03650 B:112M L:0
Alternative APNs
  • LUDL M:27B B:3650 P:112M
  • 2090

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Building Area1,226 sqft Living Area
Gross Area2,470 sqft

Exterior

Year BuiltBuilt 1983
Effective Year BuiltEffective 1983
Architectural StyleCondo/Apartment
Construction TypeFrame
Lot Area31,496 sqft

Location & Zoning

Account Number2090
Street Address388 CHAPIN ST
CityLUDLOW
StateMA
Zip01056-3728
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal SubdivisionLEITAO ESTATES
Legal Block3650
JurisdictionLUDLOW MA
Township / Civil DivisionLUDLOW
Census Block Group1
Census Block1012
Census Tract810404

Owner

Source: Hampden County and Ludlow Town records · APN M:27B-03650 B:112M 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 Record2 Individual Names on File
Mailing Address388 CHAPIN ST, LUDLOW, MA 01056-3728
OccupancyOwner Occupied
Owner TypeIndividual
VestingEt Al (and Others)

Deeds, Mortgages & Sale History

DateDocument
Dec 04, 2019Deed of Trust, Mortgage · Conventional Mortgage
PEOPLESBANK (HOLYOKE MA)
Dec 04, 2019Deed of Trust, Mortgage · Conventional Mortgage
PEOPLESBANK (HOLYOKE MA)
Dec 09, 2019Condominium Deed, Transfer
PEOPLESBANK (HOLYOKE MA)

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 13, 2012 · Amount on Record
Deed SaleJan 13, 2012 · Amount on Record
Prior SaleJul 12, 2002 · Amount on Record
Deed Book / Page19080 / 359
Last Transfer DateDec 04, 2019
Transfer Doc023551-420
Record UpdatedSep 20, 2026

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLUDLOW MA
Property Address388 CHAPIN ST, LUDLOW, MA 01056-3728
Document Number22991-190
Instrument DateDec 04, 2019
Transaction TypeMortgage
Record UpdatedDec 24, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address388 CHAPIN ST #388 LUDLOW MA 010563728, 388, LUDLOW, MA 01056-3728

Mortgage

Document Number22991-190
DateDec 09, 2019
Book Page022991/000190
Instrument72564
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 08, 2049

December 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLUDLOW MA
Property Address388 CHAPIN ST, LUDLOW, MA 01056-3728
Document Number22991-209
Instrument DateDec 04, 2019
Transaction TypeMortgage
Record UpdatedDec 24, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address388 CHAPIN ST LUDLOW MA 010563728, LUDLOW, MA 01056-3728

Mortgage

Document Number22991-209
DateDec 09, 2019
Book Page022991/000209
Instrument72565
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
TypeConventional Mortgage
AmountAmount Recorded

December 2019: Condominium Deed, Transfer

Document TypeCondominium Deed
JurisdictionLUDLOW MA
Recording DateDec 09, 2019
Property Address388 CHAPIN ST, LUDLOW, MA 01056-3728
Document Number23551-420
Book / Page023551 / 000420
Instrument DateDec 04, 2019
Instrument69587
Transaction TypeTransfer
Record UpdatedDec 15, 2020
Title CompanyNOT AVAILABLE

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5 HADLEY VILLAGE RD SOUTH HADLEY MA 010752170, SOUTH HADLEY, MA 01075-2170

Mortgage

Document Number22991-190
DateDec 09, 2019
Book Page022991/000190
Instrument72564
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
AmountAmount Recorded
Term360 Months
DueDec 08, 2049

Mortgage

Document Number22991-209,
DateDec 09, 2019
Book Page022991/000209
Instrument72565
Lender
NamePEOPLESBANK (HOLYOKE MA)
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampden County
County SubdivisionLudlow Town
Unified School DistrictLudlow School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,194.00 (-0.87%)$184,100 (+3.37%) Building $184,100$227,050 (+12.26%)
2024$3,222.00 (+0.03%)$178,100 (+7.87%) Building $178,100$202,255
2023$3,221.00$165,100 Building $165,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims2 (1996–2011)
Most Recent ClaimMar 2011 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood0.01% annual chance
ExposureNone
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 287 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
T-Mobile USA
Fixed Wireless		100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemSPRINGFIELD WATER AND SEWER COMMISSION
serves 169,170 people
Water SourceSurface water
Last State InspectionOct 2025
Lead4 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
not recorded as resolved · Apr 2026
Total trihalomethanes
not recorded as resolved · Oct 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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