10 Warren St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 10 Warren St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,350 sqft · built 1916
Lot Size	0.099 acres (4,312 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Jan 2022)
Tax Bill	$4,371 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:14B-17100 B:375 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:14B-17100 B:375 L:0`
Alternative APNs	`LUDL M:14B B:17100 P:375` `8034`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,350 sqft Living Area
Gross Area	2,246 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1976
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,312 sqft (0.099 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8034
Street Address	10 WARREN ST
City	LUDLOW
State	MA
Zip	01056-3547
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	17100
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2016
Census Tract	810403

Owner

Source: Hampden County and Ludlow Town records, as of October 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	10 WARREN ST, LUDLOW, MA 01056-3547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHPOINTE BANK
Aug 13, 2018	Deed of Trust, Mortgage LUSO FCU
Oct 1, 2020	Deed of Trust, Mortgage · VA Mortgage NEWREZ LLC
Nov 1, 2018	Quit Claim Deed, Transfer · VA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2022 · Amount on Record
Deed Sale	Jan 14, 2022 · Amount on Record
Prior Sale	Nov 1, 2018 · Amount on Record
Deed Book / Page	24356 / 451
Record Updated	Oct 29, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 14, 2022
Property Address	10 WARREN ST, LUDLOW, MA 01056-3547
Document Number	024356-451
Book / Page	24356 / 451
Instrument Date	Jan 14, 2022
Instrument	2813
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	310 THREE RIVERS RD, WILBRAHAM, MA 01095-1223

Mortgage

Document Number	0000002814
Date	Jan 14, 2022
Instrument	2814

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	10 WARREN ST, LUDLOW, MA 01056-3547
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22310-460
Date	Aug 13, 2018
Book Page	22310/460
Instrument	47696

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	10 WARREN ST, LUDLOW, MA 01056-3547
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23453-248
Date	Oct 1, 2020
Book Page	23453/248
Instrument	56356

Lender

Name	NEWREZ LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 1, 2018
Property Address	10 WARREN ST, LUDLOW, MA 01056-3547
Document Number	22429-480
Book / Page	22429 / 480
Instrument	65773
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$27.68
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	224290482
Date	Nov 1, 2018
Instrument	22429/0482

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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
2026	$4,371.00 (+3.21%)	$273,000 (+11.84%) Land $77,000 Building $196,000	$282,490 (-0.25%)
2025	$4,235.00 (+4.11%)	$244,100 (+8.54%) Land $70,000 Building $174,100	$283,195 (-1.42%)
2024	$4,068.00 (+18.95%)	$224,900 (+28.29%) Land $70,100 Building $154,800	$287,280
2023	$3,420.00	$175,300 Land $61,500 Building $113,800

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
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 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 751 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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