117 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 117 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,068 sqft · built 1984
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Mar 2018)
Tax Bill	$6,859 (2026)
Deeds & Mortgages	Mar 2021 Refinance Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:183 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:183 L:0`
Alternative APNs	`LUDL M:27A B:525 P:183` `232`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,068 sqft Living Area
Gross Area	4,622 sqft
Basement Area	670 sqft
Unfinished Basement	670 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1992
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	232
Street Address	117 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3104
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1014
Census Tract	810404

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	Individual Name on Record
Mailing Address	117 AMERICO ST, LUDLOW, MA 01056-3104
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE NETWORK INC
Feb 17, 2026	Quit Claim Deed, Transfer Quitclaim
Sep 9, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE NTWK
Mar 30, 2018	Quit Claim Deed, Transfer · FHA Mortgage NEW PENN FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 30, 2018 · Amount on Record
Deed Sale	Mar 30, 2018 · Amount on Record
Prior Sale	Jun 17, 2010 · Amount on Record
Deed Book / Page	22113 / 220
Last Transfer Date	Feb 11, 2026
Transfer Doc	0026222-41
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	117 AMERICO ST, LUDLOW, MA 01056-3104
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	023769-336
Date	Mar 18, 2021
Book Page	23769/336
Instrument	18281

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 17, 2026
Property Address	117 AMERICO ST, LUDLOW, MA 01056-3104
Document Number	0026222-41
Book / Page	26222 / 41
Instrument Date	Feb 11, 2026
Instrument	6859
Transaction Type	Transfer
Record Updated	Mar 11, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 AMERICO ST, LUDLOW, MA 01056-3104

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	117 AMERICO ST, LUDLOW, MA 01056-3104
Document Number	22852-243
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 AMERICO ST LUDLOW MA 010563104, LUDLOW, MA 01056-3104

Mortgage

Document Number	22852-243
Date	Sep 13, 2019
Book Page	022852/000243
Instrument	52725

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 12, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 30, 2018
Property Address	117 AMERICO ST, LUDLOW, MA 01056-3104
Document Number	22113-220
Book / Page	22113 / 220
Instrument	16529
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.34
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	117 AMERICO ST, LUDLOW, MA 01056-3104

Mortgage

Document Number	221130223
Date	Mar 30, 2018
Instrument	22113/0223

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 2048

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	$6,859.00 (-0.36%)	$428,400 (+7.96%) Land $93,900 Building $334,500	$431,415 (-13.91%)
2025	$6,884.00 (+2.82%)	$396,800 (+7.21%) Land $85,400 Building $311,400	$501,125 (+6.65%)
2024	$6,695.00 (+3.61%)	$370,100 (+11.75%) Land $85,200 Building $284,900	$469,870
2023	$6,462.00	$331,200 Land $74,800 Building $256,400

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	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

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.

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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