784 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 784 Chapin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,994 sqft · built 1972
Lot Size	0.964 acres (41,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,890 (Sep 1997)
Tax Bill	$7,438 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:11C-03650 B:52 L:1`

Property Details

APN / Parcel Number

Primary APN	`M:11C-03650 B:52 L:1`
Alternative APNs	`LUDL M:11C B:3650 P:52 E:1` `1996`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	4,900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	41,992 sqft (0.964 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1996
Street Address	784 CHAPIN ST
City	LUDLOW
State	MA
Zip	01056-1915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	3650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3008
Census Tract	810412

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	2 Individual Names on Record
Mailing Address	784 CHAPIN ST, LUDLOW, MA 01056-1915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 1997 · Amount on Record
Deed Sale	Sep 12, 1997 · Amount on Record
Prior Sale	Jun 13, 1990 · Amount on Record
Deed Book / Page	9993 / 520
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	784 CHAPIN ST, LUDLOW, MA 01056-1915
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026003-247
Date	Aug 27, 2025
Book Page	26003/247
Instrument	40175

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	784 CHAPIN ST, LUDLOW, MA 01056-1915
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024870-131
Date	Jan 9, 2023
Book Page	24870/131
Instrument	1223

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$7,438.00 (+6.11%)	$428,700 (+10.63%) Land $110,500 Building $318,200	$423,985 (+1.66%)
2024	$7,010.00 (-8.13%)	$387,500 (-0.92%) Land $110,500 Building $277,000	$417,050
2023	$7,630.00	$391,100 Land $101,200 Building $289,900

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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