Hampden County and Ludlow Town property record for 115 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,458 sqft · built 1990 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,767 (2026) |
| Deeds & Mortgages | Apr 2017 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-12300 B:31 L:0 |
| Primary APN | M:15C-12300 B:31 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,458 sqft Living Area |
| Gross Area | 2,331 sqft |
| Basement Area | 729 sqft |
| Unfinished Basement | 729 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,970 sqft (0.16 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 6977 |
|---|---|
| Street Address | 115 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2923 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
115 Ray St is owned and occupied by two individuals.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 115 RAY ST, LUDLOW, MA 01056-2923 |
| 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.
| Date | Document |
|---|---|
| Apr 26, 2017 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| May 21, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 115 RAY ST, LUDLOW, MA 01056-2923 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 21654-31 |
|---|---|
| Date | Apr 26, 2017 |
| Book Page | 21654/31 |
| Instrument | 22387 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 115 RAY ST, LUDLOW, MA 01056-2923 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23220-62 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 23220/62 |
| Instrument | 25730 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jun 1, 2045 |
The 2026 property tax bill for 115 Ray St was $5,767, up 1.3% 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 | $5,767.00 (+1.3%) | $360,200 (+9.78%) Land $87,000 Building $273,200 | $323,067 (+23.89%) |
| 2025 | $5,693.00 (+3.36%) | $328,100 (+7.75%) Land $79,100 Building $249,000 | $260,775 (-6.31%) |
| 2024 | $5,508.00 (+4.1%) | $304,500 (+12.28%) Land $79,100 Building $225,400 | $278,350 |
| 2023 | $5,291.00 | $271,200 Land $69,400 Building $201,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 115 Ray St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 | 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 risk around 115 Ray 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.
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 278 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 |
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