115 John St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 115 John St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,353 sqft · built 1953
Lot Size	0.196 acres (8,538 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jan 2022)
Tax Bill	$5,136 (2026)
Deeds & Mortgages	Apr 2021 Refinance Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:16B-07900 B:16 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16B-07900 B:16 L:0`
Alternative APNs	`LUDL M:16B B:7900 P:16` `4544`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,353 sqft Living Area
Gross Area	4,113 sqft
Basement Area	1,022 sqft
Unfinished Basement	1,022 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1969
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,538 sqft (0.196 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4544
Street Address	115 JOHN ST
City	LUDLOW
State	MA
Zip	01056-2000
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	7900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1011
Census Tract	810412

Owner

115 John St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	115 JOHN ST, LUDLOW, MA 01056-2000
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
Apr 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PEOPLESBANK (HOLYOKE MA)
Aug 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST COMMUNITY BANK
Jan 27, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST WORLD MORTGAGE CORPORATION
Nov 13, 2017	Deed of Trust, Mortgage LUSO FCU
Sep 5, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2022 · Amount on File
Deed Sale	Jan 27, 2022 · Amount on File
Prior Sale	Sep 5, 2017
Deed Book / Page	24375 / 246
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	115 JOHN ST, LUDLOW, MA 01056-2000
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023829-458
Date	Apr 16, 2021
Book Page	23829/458
Instrument	25985

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	115 JOHN ST, LUDLOW, MA 01056-2000
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00024706-3
Date	Aug 31, 2022
Book Page	24706/3
Instrument	52758

Lender

Name	NORTHWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 27, 2022
Property Address	115 JOHN ST, LUDLOW, MA 01056-2000
Document Number	024375-246
Book / Page	24375 / 246
Instrument Date	Jan 27, 2022
Instrument	5472
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 BLUEBIRD CIR, LUDLOW, MA 01056-3344

Mortgage

Document Number	0000005473
Date	Jan 27, 2022
Instrument	5473

Lender

Name	FIRST WORLD MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	115 JOHN ST, LUDLOW, MA 01056-2000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21942-299
Date	Nov 13, 2017
Book Page	21942/299
Instrument	67051

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 5, 2017
Property Address	115 JOHN ST, LUDLOW, MA 01056-2000
Document Number	21845-238
Book / Page	021845 / 000238
Instrument Date	Sep 5, 2017
Instrument	52078
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 FRANKLIN ST LUDLOW MA 010563511, LUDLOW, MA 01056-3511

Tax Assessment & Valuation

The 2026 property tax bill for 115 John St was $5,136, up 0.4% 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	$5,136.00 (+0.37%)	$320,800 (+8.78%) Land $88,300 Building $232,500	$325,908 (-15.31%)
2025	$5,117.00 (+4.88%)	$294,900 (+9.34%) Land $80,300 Building $214,600	$384,845 (+1.63%)
2024	$4,879.00 (+5.51%)	$269,700 (+13.8%) Land $80,300 Building $189,400	$378,670
2023	$4,624.00	$237,000 Land $70,400 Building $166,600

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

Flood

FEMA maps place 115 John St in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
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 115 John 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.

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 213 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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