Hampden County and Ludlow Town property record for 122 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 912 sqft · built 1967 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,017 (2026) |
| Deeds & Mortgages | Feb 2020 Sale Dec 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-12300 B:41 L:0 |
| Primary APN | M:15C-12300 B:41 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 1,824 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 6986 |
|---|---|
| Street Address | 122 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 |
122 Ray St is owned and occupied by an individual who acquired it in November 2018.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 122 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 |
|---|---|
| Feb 6, 2020 | Personal Representative Deed, Transfer NOT AVAILABLE |
| Dec 12, 2018 | Warranty Deed, Transfer |
| May 25, 2017 | Warranty Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Nov 14, 2018 |
| Transfer Doc | 22481-90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Feb 6, 2020 |
| Property Address | 122 RAY ST, LUDLOW, MA 01056-2922 |
| Document Number | 23076-460 |
| Book / Page | 023076 / 000460 |
| Instrument Date | Jan 30, 2020 |
| Instrument | 6764 |
| Transaction Type | Transfer |
| Record Updated | Feb 25, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 RAY ST LUDLOW MA 010562922, LUDLOW, MA 01056-2922 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Dec 12, 2018 |
| Property Address | 122 RAY ST, LUDLOW, MA 01056-2922 |
| Document Number | 22481-90 |
| Book / Page | 022481 / 000090 |
| Instrument Date | Nov 14, 2018 |
| Instrument | 73939 |
| Transaction Type | Transfer |
| Record Updated | Jan 2, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 122 RAY ST LUDLOW MA 010562922, LUDLOW, MA 01056-2922 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 25, 2017 |
| Property Address | 122 RAY ST, LUDLOW, MA 01056-2922 |
| Document Number | 21694-321 |
| Book / Page | 021694 / 000321 |
| Instrument Date | Apr 13, 2017 |
| Instrument | 28669 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 87 RESERVOIR RD LUDLOW MA 010561673, LUDLOW, MA 01056-1673 |
The 2026 property tax bill for 122 Ray St was $4,017, up 0.6% 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 | $4,017.00 (+0.63%) | $250,900 (+9.04%) Land $85,400 Building $165,500 | $256,959 (-0.59%) |
| 2025 | $3,992.00 (+4.23%) | $230,100 (+8.69%) Land $77,600 Building $152,500 | $258,495 (+16.53%) |
| 2024 | $3,830.00 (+5.66%) | $211,700 (+13.94%) Land $77,600 Building $134,100 | $221,825 |
| 2023 | $3,625.00 | $185,800 Land $68,100 Building $117,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 122 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 122 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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