11 Posner Cir, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 11 Posner Cir, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1961
Lot Size	0.234 acres (10,193 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2016)
Tax Bill	$3,924 (2026)
Deeds & Mortgages	Sep 2019 Refinance Dec 2020 Refinance
Flood Zone	Zone X (moderate risk)
APN	`M:027-11750 B:91 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:027-11750 B:91 L:0`
Alternative APNs	`LUDL M:27 B:11750 P:91` `6822`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	2,880 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,193 sqft (0.234 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	6822
Street Address	11 POSNER CIR
City	LUDLOW
State	MA
Zip	01056-3222
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	11750
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1044
Census Tract	810404

Owner

11 Posner Cir is owned and occupied by an individual who bought it in March 2016.

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

Owner of Record	Individual Name on File
Mailing Address	11 POSNER CIR, LUDLOW, MA 01056-3222
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
Sep 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Dec 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2016 · Amount on File
Deed Sale	Mar 29, 2016 · Amount on File
Prior Sale	Aug 31, 2005 · Amount on File
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	11 POSNER CIR, LUDLOW, MA 01056-3222
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22836-107
Date	Sep 4, 2019
Book Page	22836/107
Instrument	50328

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	11 POSNER CIR, LUDLOW, MA 01056-3222
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23589-317
Date	Dec 14, 2020
Book Page	23589/317
Instrument	74663

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 11 Posner Cir was $3,924, up 0.9% 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	$3,924.00 (+0.93%)	$245,100 (+9.37%) Land $93,800 Building $151,300	$281,342 (-5.47%)
2025	$3,888.00 (+4.07%)	$224,100 (+8.52%) Land $85,200 Building $138,900	$297,635 (+11.42%)
2024	$3,736.00 (+4.77%)	$206,500 (+12.96%) Land $85,200 Building $121,300	$267,140
2023	$3,566.00	$182,800 Land $78,100 Building $104,700

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

Flood

FEMA maps place 11 Posner Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 11 Posner Cir 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.

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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