Ludlow Town property record for 109 Upper Crossroad, Ludlow, VT 05149
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,966 sqft · built 1970 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $540,000 (Sep 2019) |
| Tax Bill | $9,734 (2025) |
| Deeds & Mortgages | Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 363-112-12745 |
| Primary APN | 363-112-12745 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,966 sqft Living Area |
| Gross Area | 2,770 sqft |
| Basement Area | 728 sqft |
| Unfinished Basement | 728 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 19,166 sqft (0.44 acres) |
| Heating Fuel | Electric |
|---|
| Street Address | 109 UPPER XRD |
|---|---|
| City | LUDLOW |
| State | VT |
| Zip | 05149 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UPPER LOOP 109 |
| Jurisdiction | LUDLOW VT |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 966300 |
109 Upper Crossroad is held in a trust since September 2019.
Source: Ludlow Town records, as of August 18, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 25 PELHAM RD, WEST HARTFORD, CT 06107-2717 |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2019 · Amount on File |
| Deed Sale | Sep 27, 2019 · Amount on File |
| Deed Document Number | 2019748301696 |
| Record Updated | Sep 20, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LUDLOW VT |
| Recording Date | Sep 27, 2019 |
| Property Address | 109 UPPER XRD, LUDLOW, VT 05149 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3 PELHAM RD HARTFORD CT 061072310, HARTFORD, CT 06107-2310 |
The 2025 property tax bill for 109 Upper Crossroad was $9,734, down 12.3% from the year before.
Source: Ludlow Town assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Vermont |
| County | Windsor County |
| County Subdivision | Ludlow Town |
| Elementary School District | Ludlow Mt. Holly Unified Union School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $9,734.00 (-12.35%) | $527,300 (-) Land $332,800 Building $194,500 |
| 2024 | $11,105.00 | $527,300 Land $332,800 Building $194,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 109 Upper Crossroad in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective April 13, 2021 · 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 |
| Flood Insurance Cost | Premium on File median of 28 individual policies |
| Nearby Flood Policies | 122 units insured incl. 94 condo units |
| Nearby Flood Claims | 31 (1981–2023) |
| Claims Outside the SFHA | 4 of 31 |
| Most Recent Claim | Jul 2023 · Severe Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 109 Upper Crossroad 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 52% of Vermont |
|---|---|
| Wildfire Likelihood | 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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