791 Chapin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 791 Chapin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,245 sqft · built 1986
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$207,000 (Sep 2017)
Tax Bill	$5,759 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:11D-03650 B:115C L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11D-03650 B:115C L:0`
Alternative APNs	`LUDL M:11D B:3650 P:115C` `2104`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,245 sqft Living Area
Gross Area	4,275 sqft
Basement Area	1,077 sqft
Unfinished Basement	1,077 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2104
Street Address	791 CHAPIN ST
City	LUDLOW
State	MA
Zip	01056-1916
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2000
Census Tract	810412

Owner

791 Chapin St is owned and occupied by an individual who bought it in September 2017.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) MASSMUTUAL FEDERAL CREDIT UNION
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Aug 31, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MASSMUTUAL FEDERAL CREDIT UNION
Sep 15, 2017	Quit Claim Deed, Transfer · Conventional with PMI CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2017 · Amount on File
Deed Sale	Sep 15, 2017 · Amount on File
Prior Sale	Oct 15, 2007 · Amount on File
Deed Book / Page	21858 / 518
Transfer Doc	021858-518
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024832-465
Date	Dec 8, 2022
Book Page	24832/465
Instrument	71550

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024048-511
Date	Aug 9, 2021
Book Page	24048/511
Instrument	55476

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24048-511
Date	Aug 9, 2021
Book Page	24048/511
Instrument	55476

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23393-520
Date	Aug 31, 2020
Book Page	23393/520
Instrument	48451

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 15, 2017
Property Address	791 CHAPIN ST, LUDLOW, MA 01056-1916
Document Number	21858-518
Book / Page	021858 / 000518
Instrument Date	Sep 5, 2017
Instrument	54291
Transaction Type	Transfer
Record Updated	Oct 4, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$962.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 IDEAL LN #604 LUDLOW MA 010562940, 604, LUDLOW, MA 01056-2940

Mortgage

Document Number	21858-520
Date	Sep 15, 2017
Book Page	021858/000520
Instrument	54292

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 791 Chapin St was $5,759, up 0.2% from the year before.

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
2026	$5,759.00 (+0.24%)	$359,700 (+8.64%) Land $79,600 Building $280,100	$337,535 (+4.47%)
2025	$5,745.00 (+5.16%)	$331,100 (+9.64%) Land $72,300 Building $258,800	$323,095 (-7.28%)
2024	$5,463.00 (+5%)	$302,000 (+13.24%) Land $72,100 Building $229,900	$348,460
2023	$5,203.00	$266,700 Land $66,100 Building $200,600

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

Flood

FEMA maps place 791 Chapin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 791 Chapin St is low, with less than 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 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.

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 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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