113 Moore St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 113 Moore St, Ludlow, MA 01056

Property Summary

Property Type	Duplex
Details	4 bd · 3.5 ba · 3,845 sqft · built 1956
Lot Size	0.304 acres (13,235 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,525 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:032-10550 B:16 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-10550 B:16 L:0`
Alternative APNs	`LUDL M:32 B:10550 P:16` `5897`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,845 sqft Living Area
Gross Area	6,706 sqft
Basement Area	2,445 sqft
Unfinished Basement	2,445 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,235 sqft (0.304 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5897
Street Address	113 MOORE ST
City	LUDLOW
State	MA
Zip	01056-1672
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AG
Legal Block	10550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	113 MOORE ST, LUDLOW, MA 01056-1672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Deed of Trust, Mortgage · Line of Credit MONSON SAVINGS BANK
Aug 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2008
Deed Sale	May 29, 2008
Prior Sale	Jul 27, 1988 · Amount on Record
Deed Document Number	200835789
Deed Book / Page	17319 / 136
Last Transfer Date	Mar 21, 2025
Transfer Doc	0025801-99
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jun 8, 2026
Property Address	113 MOORE ST, LUDLOW, MA 01056-1672
Document Number	0000025859
Book / Page	26364 / 587
Instrument Date	May 22, 2026
Instrument	202625859
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 MOORE ST, LUDLOW, MA 01056-1672

Mortgage

Document Number	026364-587,
Date	Jun 8, 2026
Book Page	26364/587
Instrument	202625859

Lender

Name	MONSON SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2051

Interest

Rate	6.23%
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	113 MOORE ST, LUDLOW, MA 01056-1672
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23388-222
Date	Aug 28, 2020
Book Page	23388/222
Instrument	47803

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

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	$8,525.00 (+3.72%)	$532,500 (+12.41%) Land $119,500 Building $413,000	$469,902
2025	$8,219.00 (+18.29%)	$473,700 (+23.33%) Land $110,200 Building $363,500
2024	$6,948.00 (+4.69%)	$384,100 (+12.9%) Land $110,300 Building $273,800
2023	$6,637.00	$340,200 Land $91,600 Building $248,600

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 · 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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · 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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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