102 Bartlett St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 102 Bartlett St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,404 sqft · built 1994
Lot Size	1.4 acres (61,158 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Oct 1994)
Tax Bill	$6,683 (2025)
Deeds & Mortgages	Apr 2022 Refinance Aug 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:27A-01450 B:106 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-01450 B:106 L:0`
Alternative APNs	`LUDL M:27A B:1450 P:106` `560`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Gross Area	5,366 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	61,158 sqft (1.4 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	560
Street Address	102 BARTLETT ST
City	LUDLOW
State	MA
Zip	01056-3700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1450
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1016
Census Tract	810404

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	102 BARTLETT ST, LUDLOW, MA 01056-3700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Aug 3, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Dec 7, 2017	Warranty Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 1994 · Amount on Record
Deed Sale	Oct 18, 1994 · Amount on Record
Deed Book / Page	8971 / 256
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	102 BARTLETT ST, LUDLOW, MA 01056-3700
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024482-189
Date	Apr 4, 2022
Book Page	24482/189
Instrument	20286

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2042

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	102 BARTLETT ST, LUDLOW, MA 01056-3700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23345-331
Date	Aug 3, 2020
Book Page	23345/331
Instrument	42159

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2030

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 7, 2017
Property Address	102 BARTLETT ST, LUDLOW, MA 01056-3700
Document Number	21978-49
Book / Page	021978 / 000049
Instrument Date	Dec 4, 2017
Instrument	72632
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	22 RIMROCK RD BELCHERTOWN MA 010079657, BELCHERTOWN, MA 01007-9657

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	$6,683.00 (+4.24%)	$385,200 (+8.69%) Land $81,400 Building $303,800	$405,935 (+3.24%)
2024	$6,411.00 (+4.69%)	$354,400 (+12.9%) Land $81,400 Building $273,000	$393,205
2023	$6,124.00	$313,900 Land $71,400 Building $242,500

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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