103 Willard Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 103 Willard Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,610 sqft · built 1950
Lot Size	0.449 acres (19,558 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Oct 2013)
Tax Bill	$5,304 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:12B-18300 B:25 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-18300 B:25 L:0`
Alternative APNs	`LUDL M:12B B:18300 P:25` `8727`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,610 sqft Living Area
Gross Area	5,102 sqft
Basement Area	920 sqft
Unfinished Basement	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,558 sqft (0.449 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8727
Street Address	103 WILLARD AVE
City	LUDLOW
State	MA
Zip	01056-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	18300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2007
Census Tract	810412

Owner

103 Willard Ave is owned and occupied by an individual who bought it in October 2013.

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

Owner of Record	Individual Name on File
Mailing Address	103 WILLARD AVE, LUDLOW, MA 01056-2234
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
Mar 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Dec 11, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Feb 16, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2013 · Amount on File
Deed Sale	Oct 17, 2013 · Amount on File
Prior Sale	Oct 17, 2013 · Amount on File
Deed Document Number	2013197951
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	103 WILLARD AVE, LUDLOW, MA 01056-2234
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000242292
Date	Mar 24, 2026
Instrument	242292

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	103 WILLARD AVE, LUDLOW, MA 01056-2234
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000235422
Date	Dec 11, 2023
Instrument	235422

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2055

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	103 WILLARD AVE, LUDLOW, MA 01056-2234
Transaction Type	Mortgage
Record Updated	Oct 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229548
Date	Feb 16, 2022
Instrument	229548

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	277 Months
Due	Mar 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 103 Willard Ave was $5,304, down 3.5% 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	$5,304.00 (-3.48%)	$331,300 (+4.61%) Land $81,600 Building $249,700	$341,009 (-2.16%)
2025	$5,495.00 (+3.29%)	$316,700 (+7.68%) Land $74,100 Building $242,600	$348,555 (+14.12%)
2024	$5,320.00 (+4.72%)	$294,100 (+12.94%) Land $74,200 Building $219,900	$305,425
2023	$5,080.00	$260,400 Land $67,900 Building $192,500

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

Flood

FEMA maps place 103 Willard Ave 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 103 Willard Ave 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 324 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

Cell Coverage

5G (outdoors only) and 4G LTE

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