105 Willard Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 105 Willard Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,744 sqft · built 1962
Lot Size	0.188 acres (8,189 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,050 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:12B-18300 B:27 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-18300 B:27 L:0`
Alternative APNs	`LUDL M:12B B:18300 P:27` `8728`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,744 sqft Living Area
Gross Area	3,752 sqft
Basement Area	1,088 sqft
Unfinished Basement	1,088 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,189 sqft (0.188 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8728
Street Address	105 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

105 Willard Ave is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 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
Dec 12, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 7, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Nov 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage DITECH.COM

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	105 WILLARD AVE, LUDLOW, MA 01056-2234
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232538
Date	Dec 12, 2022
Instrument	232538

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	105 WILLARD AVE, LUDLOW, MA 01056-2234
Document Number	0000219548
Instrument Date	Sep 7, 2019
Transaction Type	Mortgage
Record Updated	Oct 8, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 WILLARD AVE LUDLOW MA 010562234, LUDLOW, MA 01056-2234

Mortgage

Document Number	0000219548
Date	Sep 19, 2019
Instrument	219548

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 18, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	105 WILLARD AVE, LUDLOW, MA 01056-2234
Document Number	0000212896
Instrument Date	Nov 22, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000212896
Date	Dec 8, 2017
Instrument	212896

Lender

Name	DITECH.COM

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 105 Willard Ave was $5,050, down 2.9% 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	$5,050.00 (-2.88%)	$315,400 (+5.24%) Land $92,000 Building $223,400	$317,978 (-16.61%)
2025	$5,200.00 (+4.19%)	$299,700 (+8.63%) Land $83,700 Building $216,000	$381,330 (+11.75%)
2024	$4,991.00 (+4.63%)	$275,900 (+12.84%) Land $83,600 Building $192,300	$341,240
2023	$4,770.00	$244,500 Land $76,600 Building $167,900

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

Flood

FEMA maps place 105 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 105 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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