Hampden County and Ludlow Town property record for 114 Whitney St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,441 sqft · built 1905 |
| Lot Size | 0.133 acres (5,793 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Jun 2000) |
| Tax Bill | $3,796 (2026) |
| Deeds & Mortgages | Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15A-18250 B:475 L:0 |
| Primary APN | M:15A-18250 B:475 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,441 sqft Living Area |
| Gross Area | 2,408 sqft |
| Basement Area | 847 sqft |
| Unfinished Basement | 847 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,793 sqft (0.133 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8694 |
|---|---|
| Street Address | 114 WHITNEY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES B |
| Legal Block | 18250 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 810403 |
114 Whitney St is owned and occupied by two individuals who bought it in June 2000.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 114 WHITNEY ST, LUDLOW, MA 01056-2414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 | Jun 23, 2000 · Amount on File |
| Deed Sale | Jun 23, 2000 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 114 WHITNEY ST, LUDLOW, MA 01056-2414 |
| Document Number | 21931-355 |
| Book / Page | 021931 / 000355 |
| Instrument Date | Oct 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Document Number | 21931-355 |
|---|---|
| Date | Nov 3, 2017 |
| Book Page | 021931/000355 |
| Instrument | 65366 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 2, 2032 |
The 2026 property tax bill for 114 Whitney St was $3,796, up 3.1% 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 | $3,796.00 (+3.07%) | $237,100 (+11.68%) Land $78,200 Building $158,900 | $281,854 (-8.03%) |
| 2025 | $3,683.00 (+3.78%) | $212,300 (+8.21%) Land $71,100 Building $141,200 | $306,470 (+5.77%) |
| 2024 | $3,549.00 (+5.41%) | $196,200 (+13.67%) Land $71,100 Building $125,100 | $289,750 |
| 2023 | $3,367.00 | $172,600 Land $62,400 Building $110,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 Whitney St in Zone X, an area of minimal flood risk.
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 risk around 114 Whitney St is low, with less than 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 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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