Hampden County and Ludlow Town property record for 121 Simonds St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,150 sqft · built 1972 |
| Lot Size | 0.191 acres (8,320 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $221,000 (Oct 2018) |
| Tax Bill | $5,523 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:11A-13900 B:164B L:0 |
| Primary APN | M:11A-13900 B:164B L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,150 sqft Living Area |
| Gross Area | 2,922 sqft |
| Basement Area | 1,150 sqft |
| Unfinished Basement | 1,150 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,320 sqft (0.191 acres) |
| Heating Fuel | Electric |
|---|
| Account Number | 7430 |
|---|---|
| Street Address | 121 SIMONDS ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 13900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 810412 |
121 Simonds St is owned and occupied by two individuals who bought it in October 2018.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 121 SIMONDS ST, LUDLOW, MA 01056-1805 |
| 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 |
|---|---|
| Aug 15, 2018 | Deed of Trust, Mortgage POLISH NATIONAL CU |
| Oct 18, 2018 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE NTWK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2018 · Amount on File |
| Deed Sale | Oct 18, 2018 · Amount on File |
| Prior Sale | Nov 3, 1975 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 121 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22314-307 |
|---|---|
| Date | Aug 15, 2018 |
| Book Page | 22314/307 |
| Instrument | 48301 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Aug 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Oct 18, 2018 |
| Property Address | 121 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Document Number | 0000216250 |
| Instrument Date | Oct 15, 2018 |
| Instrument | 216250 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,027.65 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 113 LOOPLEY ST LUDLOW MA 010562362, LUDLOW, MA 01056-2362 |
| Document Number | 216251 |
|---|---|
| Date | Oct 18, 2018 |
| Instrument | 216251 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 17, 2048 |
The 2026 property tax bill for 121 Simonds St was $5,523, up 0.7% 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 | $5,523.00 (+0.67%) | $345,000 (+9.11%) Land $92,100 Building $252,900 | $341,908 (-1.69%) |
| 2025 | $5,486.00 (+4.93%) | $316,200 (+9.41%) Land $83,800 Building $232,400 | $347,795 (+2.15%) |
| 2024 | $5,228.00 (-4.27%) | $289,000 (+3.25%) Land $83,800 Building $205,200 | $340,480 |
| 2023 | $5,461.00 | $279,900 Land $76,700 Building $203,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 121 Simonds St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 121 Simonds St is low, with less than 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 97% of the US · lower than 94% 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 324 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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