Hampden County and Ludlow Town property record for 39 Chapin St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,680 sqft · built 1977 |
| Lot Size | 0.918 acres (39,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Mar 2023) |
| Tax Bill | $6,723 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | M:029-03650 B:57 L:0 |
| Primary APN | M:029-03650 B:57 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,680 sqft Living Area |
| Gross Area | 4,968 sqft |
| Basement Area | 784 sqft |
| Unfinished Basement | 784 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 39,988 sqft (0.918 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2002 |
|---|---|
| Street Address | 39 CHAPIN ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Subdivision | LOUIS J RIVERS 03 SURV |
| Legal Block | 3650 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 810404 |
39 Chapin St is owned and occupied by an individual who bought it in March 2023.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| 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.
| Date | Document |
|---|---|
| Jul 16, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Mar 1, 2023 | Quit Claim Deed, Transfer · FHA Mortgage NAVY FCU |
| Nov 18, 2022 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| May 14, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage SEMPER HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2023 · Amount on File |
| Deed Sale | Mar 1, 2023 · Amount on File |
| Prior Sale | May 14, 2020 · Amount on File |
| Deed Document Number | 20239507 |
| Deed Book / Page | 24924 / 299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jul 16, 2026 |
| Property Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| Document Number | 0000033256 |
| Book / Page | 26420 / 95 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 202633256 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| Document Number | 0000033256, |
|---|---|
| Date | Jul 16, 2026 |
| Book Page | 26420/95 |
| Instrument | 202633256 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Aug 1, 2066 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Mar 1, 2023 |
| Property Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| Document Number | 024924-299 |
| Book / Page | 24924 / 299 |
| Instrument Date | Mar 1, 2023 |
| Instrument | 9507 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 9N N EAST ST # 2A, 2A, HOLYOKE, MA 01040-5830 |
| Document Number | 0000009508 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 9508 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024809-446 |
|---|---|
| Date | Nov 18, 2022 |
| Book Page | 24809/446 |
| Instrument | 68079 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 14, 2020 |
| Property Address | 39 CHAPIN ST, LUDLOW, MA 01056-3719 |
| Document Number | 23209-277 |
| Book / Page | 23209 / 277 |
| Instrument Date | May 11, 2020 |
| Instrument | 24405 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 783 CENTER ST, LUDLOW, MA 01056-1417 |
| Document Number | 24406 |
|---|---|
| Date | May 14, 2020 |
| Instrument | 24406 |
| Name | SEMPER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 39 Chapin St was $6,723, up 0.6% 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 | $6,723.00 (+0.57%) | $419,900 (+8.98%) Land $89,100 Building $330,800 | $451,040 (-3.11%) |
| 2025 | $6,685.00 (+4.03%) | $385,300 (+8.47%) Land $81,000 Building $304,300 | $465,500 (+1.53%) |
| 2024 | $6,426.00 (+3.71%) | $355,200 (+11.84%) Land $81,000 Building $274,200 | $458,470 |
| 2023 | $6,196.00 | $317,600 Land $67,300 Building $250,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Chapin St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 39 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 | None beyond ember reach |
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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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