116 John St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 116 John St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,248 sqft · built 1950
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Dec 2020)
Tax Bill	$5,176 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:16B-07900 B:19 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16B-07900 B:19 L:0`
Alternative APNs	`LUDL M:16B B:7900 P:19` `4547`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	2,968 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1976
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4547
Street Address	116 JOHN ST
City	LUDLOW
State	MA
Zip	01056-2007
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

116 John St is owned and occupied by two individuals who bought it in December 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	116 JOHN ST, LUDLOW, MA 01056-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Quit Claim Deed, Transfer · Conventional Mortgage PEOPLESBANK (HOLYOKE MA)
Aug 5, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC
Jan 31, 2020	Quit Claim Deed, Foreclosure NOT AVAILABLE
Aug 5, 2019	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on File
Deed Sale	Dec 30, 2020 · Amount on File
Prior Sale	Aug 5, 2020 · Amount on File
Deed Book / Page	23621 / 563
Prior Transfer Date	Dec 10, 2020
Prior Transfer Doc	23621-563
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 30, 2020
Property Address	116 JOHN ST, LUDLOW, MA 01056-2007
Document Number	23621-563
Book / Page	023621 / 000563
Instrument Date	Dec 10, 2020
Instrument	79345
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,232.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 KINGSTON ST INDIAN ORCHARD MA 011511338, INDIAN ORCHARD, MA 01151-1338

Mortgage

Document Number	23621-565
Date	Dec 30, 2020
Book Page	023621/000565
Instrument	79346

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 5, 2020
Property Address	116 JOHN ST, LUDLOW, MA 01056-2007
Document Number	23348-524
Book / Page	23348 / 524
Instrument Date	Jul 30, 2020
Instrument	42593
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount 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	9 BROOKSIDE DR, HAMPDEN, MA 01036-9542

Mortgage

Document Number	42594
Date	Aug 5, 2020
Instrument	42594

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

January 2020: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 31, 2020
Property Address	116 JOHN ST, LUDLOW, MA 01056-2007
Document Number	23068-386
Book / Page	023068 / 000386
Instrument Date	Aug 27, 2019
Instrument	5580
Transaction Type	Foreclosure
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2401 NW 23RD ST #1D OKLAHOMA CITY OK 731072420, 1D, OKLAHOMA CITY, OK 73107-2420

August 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	LUDLOW MA
Recording Date	Aug 5, 2019
Property Address	116 JOHN ST, LUDLOW, MA 01056-2007
Document Number	22790-272
Book / Page	022790 / 000272
Instrument Date	May 30, 2019
Instrument	43691
Transaction Type	Foreclosure
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$857.92
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009

Tax Assessment & Valuation

The 2026 property tax bill for 116 John St was $5,176, down 2.9% 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	$5,176.00 (-2.94%)	$323,300 (+5.17%) Land $89,500 Building $233,800	$333,972 (-8.85%)
2025	$5,333.00 (+2.79%)	$307,400 (+7.18%) Land $81,400 Building $226,000	$366,415 (+0.86%)
2024	$5,188.00 (+6.16%)	$286,800 (+14.49%) Land $81,400 Building $205,400	$363,280
2023	$4,887.00	$250,500 Land $71,400 Building $179,100

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

Flood

FEMA maps place 116 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 116 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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