Hampden County and Ludlow Town property record for 120 Hubbard St, Ludlow, MA 01056
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Lot Size | 0.502 acres (21,870 sqft) |
| Owner | Company Name on Record |
| Last Sale | $530,000 (Mar 2016) |
| Tax Bill | $6,974 (2026) |
| Deeds & Mortgages | Aug 2024 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:14B-07500 B:20 L:0 |
| Primary APN | M:14B-07500 B:20 L:0 |
|---|---|
| Alternative APNs |
|
| Building Area | 3,236 sqft Living Area |
|---|---|
| Gross Area | 5,862 sqft |
| Basement Area | 1,618 sqft |
| Unfinished Basement | 1,618 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Lot Area | 21,870 sqft (0.502 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|
| Account Number | 4384 |
|---|---|
| Street Address | 120 HUBBARD ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2724 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Block | 7500 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 810403 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 122 SEWALL ST, LUDLOW, MA 01056-2764 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2016 · Amount on Record |
| Deed Sale | Mar 31, 2016 · Amount on Record |
| Deed Book / Page | 21121 / 186 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 120 HUBBARD ST, LUDLOW, MA 01056-2724 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025531-315 |
|---|---|
| Date | Aug 14, 2024 |
| Book Page | 25531/315 |
| Instrument | 36934 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
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 | $6,974.00 (-31.96%) | $435,600 (-26.27%) Land $179,600 Building $256,000 | $330,565 |
| 2025 | $10,250.00 (-1.7%) | $590,800 (+2.5%) Land $162,900 Building $427,900 | |
| 2024 | $10,427.00 (+0.25%) | $576,400 (+8.12%) Land $155,500 Building $420,900 | |
| 2023 | $10,401.00 | $533,100 Land $141,400 Building $391,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 367 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.
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