Hampden County and Ludlow Town property record for 101 Ray St, Ludlow, MA 01056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1962 |
| Square Footage | 1,430 sqft Living Area |
| Lot Size | 9,017 sqft (0.207 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $326,000 (2026) |
| Tax Bill | $4,377.00 (2025) |
Source: Hampden County and Ludlow Town records · APN M:15C-12300 B:29 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 101 RAY ST, LUDLOW, MA 01056-2923 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Date | Document |
|---|---|
| Sep 04, 2024 | Deed of Trust, Mortgage · Stand Alone Refinance FREEDOM CU |
| May 28, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 28, 2026 · Amount on Record |
| Deed Sale | May 28, 2026 · Amount on Record |
| Prior Sale | Aug 07, 2009 · Amount on Record |
| Deed Doc Number | 202623821 |
| Deed Book / Page | 26349 / 235 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 101 RAY ST, LUDLOW, MA 01056-2923 |
| Transaction Type | Mortgage |
| Record Updated | Jun 17, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025560-446 |
|---|---|
| Date | Sep 04, 2024 |
| Book Page | 25560/446 |
| Instrument | 40831 |
| Name | FREEDOM CU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2044 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 28, 2026 |
| Property Address | 101 RAY ST, LUDLOW, MA 01056-2923 |
| Document Number | 026349-235 |
| Book / Page | 26349 / 235 |
| Instrument Date | May 19, 2026 |
| Instrument | 202623821 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 101 RAY ST, LUDLOW, MA 01056-2923 |
| Date | May 28, 2026 |
|---|
| Name | ZILLOW HOME LOANS LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,377.00 (+3.18%) | $252,300 (+7.59%) Land $80,600 Building $171,700 | $272,080 (-0.52%) |
| 2024 | $4,242.00 (+6.58%) | $234,500 (+14.95%) Land $80,600 Building $153,900 | $273,505 |
| 2023 | $3,980.00 | $204,000 Land $70,800 Building $133,200 |
Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | M:15C-12300 B:29 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,430 sqft Living Area |
| Gross Area | 2,700 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod Style |
| Exterior Material | Brick Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 9,017 sqft (0.207 acres) |
| Heating System | Steam Heating |
|---|---|
| Heating Fuel | Gas Heating Fuel |
| Account Number | 6975 |
|---|---|
| Street Address | 101 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2923 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Minor Civil Division | LUDLOW |
| Census Blockgroup | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures