Hampden County and Ludlow Town property record for 108 Yale St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,368 sqft · built 1950 |
| Lot Size | 0.213 acres (9,278 sqft) |
| Owner | Individual Name on File |
| Last Sale | $165,000 (Sep 2004) |
| Tax Bill | $4,396 (2026) |
| Deeds & Mortgages | Oct 2022 Line of Credit Feb 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-19000 B:28 L:0 |
| Primary APN | M:15C-19000 B:28 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,368 sqft Living Area |
| Gross Area | 4,044 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,278 sqft (0.213 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 9074 |
|---|---|
| Street Address | 108 YALE ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2930 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Subdivision | PETER MAHAR |
| Legal Block | 19000 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
108 Yale St is owned and occupied by an individual who bought it in September 2004.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| 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 |
|---|---|
| Oct 5, 2022 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Feb 5, 2021 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Apr 24, 2018 | Deed of Trust, Mortgage LUSO FCU |
| May 10, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Aug 21, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 3, 2004 · Amount on File |
| Deed Sale | Sep 3, 2004 · Amount on File |
| Deed Document Number | 200415342 |
| Deed Book / Page | 14468 / 377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024754-428 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 24754/428 |
| Instrument | 59781 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23693-511 |
|---|---|
| Date | Feb 5, 2021 |
| Book Page | 23693/511 |
| Instrument | 8377 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22143-283 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 22143/283 |
| Instrument | 21713 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Apr 1, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22658-246 |
|---|---|
| Date | May 10, 2019 |
| Book Page | 22658/246 |
| Instrument | 23959 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jun 1, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 108 YALE ST, LUDLOW, MA 01056-2930 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23376-248 |
|---|---|
| Date | Aug 21, 2020 |
| Book Page | 23376/248 |
| Instrument | 46220 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2030 |
The 2026 property tax bill for 108 Yale St was $4,396, down 2.7% 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 | $4,396.00 (-2.66%) | $274,600 (+5.49%) Land $88,900 Building $185,700 | $287,034 (-7.8%) |
| 2025 | $4,516.00 (+2.73%) | $260,300 (+7.12%) Land $80,800 Building $179,500 | $311,315 (+10.08%) |
| 2024 | $4,396.00 (+6.88%) | $243,000 (+15.28%) Land $80,800 Building $162,200 | $282,815 |
| 2023 | $4,113.00 | $210,800 Land $70,900 Building $139,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 Yale 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 108 Yale 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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