Hampden County and Ludlow Town property record for 103 Williams St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,148 sqft · built 1960 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $247,000 (Apr 2021) |
| Tax Bill | $5,781 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Apr 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-18350 B:47 L:0 |
| Primary APN | M:15C-18350 B:47 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,148 sqft Living Area |
| Gross Area | 2,912 sqft |
| Basement Area | 1,148 sqft |
| Unfinished Basement | 1,148 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 8739 |
|---|---|
| Street Address | 103 WILLIAMS ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2927 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 18350 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
103 Williams St is owned and occupied by two individuals who bought it in April 2021.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 WILLIAMS ST, LUDLOW, MA 01056-2927 |
| 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.
| Date | Document |
|---|---|
| Apr 30, 2021 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage FLORENCE BANK |
| Apr 28, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2021 · Amount on File |
| Deed Sale | Apr 30, 2021 · Amount on File |
| Prior Sale | Jul 3, 1996 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Apr 30, 2021 |
| Property Address | 103 WILLIAMS ST, LUDLOW, MA 01056-2927 |
| Document Number | 23855-450 |
| Book / Page | 23855 / 450 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 29508 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 513 PARKER ST, EAST LONGMEADOW, MA 01028-2680 |
| Document Number | 29509 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 29509 |
| Name | FLORENCE BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Apr 28, 2020 |
| Property Address | 103 WILLIAMS ST, LUDLOW, MA 01056-2927 |
| Document Number | 23185-333 |
| Book / Page | 023185 / 000333 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 21184 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 19 THREE RIVERS RD WILBRAHAM MA 010951219, WILBRAHAM, MA 01095-1219 |
The 2026 property tax bill for 103 Williams St was $5,781, up 0.1% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,781.00 (+0.09%) | $361,100 (+8.47%) Land $89,500 Building $271,600 | $341,107 (+3.39%) |
| 2025 | $5,776.00 (+4.69%) | $332,900 (+9.15%) Land $81,400 Building $251,500 | $329,935 (+18.69%) |
| 2024 | $5,517.00 (+6.3%) | $305,000 (+14.66%) Land $81,400 Building $223,600 | $277,970 |
| 2023 | $5,190.00 | $266,000 Land $71,400 Building $194,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Williams St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 risk around 103 Williams St is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
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