106 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 106 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,312 sqft · built 1956
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$308,000 (Jul 2021)
Tax Bill	$5,200 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:290 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:290 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:290` `6925`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,312 sqft Living Area
Gross Area	4,582 sqft
Basement Area	1,318 sqft
Unfinished Basement	1,318 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1964
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	6925
Street Address	106 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2826
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RES B
Legal Block	11950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2008
Census Tract	810403

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	106 PROSPECT ST, LUDLOW, MA 01056-2826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Prior Sale	Mar 1, 1999 · Amount on File
Deed Document Number	202148787
Deed Book / Page	23998 / 231
Record Updated	Oct 29, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 14, 2021
Property Address	106 PROSPECT ST, LUDLOW, MA 01056-2826
Document Number	023998-231
Book / Page	23998 / 231
Instrument Date	Jul 14, 2021
Instrument	48787
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 PROSPECT ST, LUDLOW, MA 01056-2826

Mortgage

Document Number	0000048788
Date	Jul 14, 2021
Instrument	48788

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

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
2026	$5,200.00 (+4.29%)	$324,800 (+13.01%) Land $77,800 Building $247,000	$383,051
2025	$4,986.00 (+4.79%)	$287,400 (+9.28%) Land $70,700 Building $216,700
2024	$4,758.00 (+6.13%)	$263,000 (+14.45%) Land $70,700 Building $192,300
2023	$4,483.00	$229,800 Land $62,000 Building $167,800

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

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

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 751 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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