Hampden County and Ludlow Town property record for 118 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,860 sqft · built 1973 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Aug 2017) |
| Tax Bill | $5,410 (2026) |
| Deeds & Mortgages | Nov 2020 Refinance Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-12300 B:42 L:0 |
| Primary APN | M:15C-12300 B:42 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,860 sqft Living Area |
| Gross Area | 2,444 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Heating Fuel | Electric |
|---|
| Account Number | 6987 |
|---|---|
| Street Address | 118 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2922 |
| 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 |
118 Ray St is owned and occupied by two individuals who bought it in August 2017.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 118 RAY ST, LUDLOW, MA 01056-2922 |
| 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 |
|---|---|
| Nov 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Feb 21, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 31, 2017 | Warranty Deed, Transfer · VA Mortgage KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2017 · Amount on File |
| Deed Sale | Aug 31, 2017 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 118 RAY ST, LUDLOW, MA 01056-2922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23541-357 |
|---|---|
| Date | Nov 18, 2020 |
| Book Page | 23541/357 |
| Instrument | 68214 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 118 RAY ST, LUDLOW, MA 01056-2922 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23095-243 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 23095/243 |
| Instrument | 9531 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 31, 2017 |
| Property Address | 118 RAY ST, LUDLOW, MA 01056-2922 |
| Document Number | 21842-84 |
| Book / Page | 021842 / 000084 |
| Instrument Date | Aug 30, 2017 |
| Instrument | 51571 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $976.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 196 NASSAU DR SPRINGFIELD MA 011291424, SPRINGFIELD, MA 01129-1424 |
| Document Number | 21842-91 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 021842/000091 |
| Instrument | 51572 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 30, 2047 |
The 2026 property tax bill for 118 Ray St was $5,410, up 3.3% 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 | $5,410.00 (+3.32%) | $337,900 (+11.96%) Land $85,400 Building $252,500 | $342,261 (-6.79%) |
| 2025 | $5,236.00 (+2.79%) | $301,800 (+7.17%) Land $77,600 Building $224,200 | $367,175 (+11.1%) |
| 2024 | $5,094.00 (+3.77%) | $281,600 (+11.92%) Land $77,600 Building $204,000 | $330,505 |
| 2023 | $4,909.00 | $251,600 Land $68,100 Building $183,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 118 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 118 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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