Hampden County and Ludlow Town property record for 125 Simonds St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,280 sqft · built 2006 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $460,000 (Oct 2023) |
| Tax Bill | $9,467 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Jul 2023 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:11A-13900 B:163A L:0 |
| Primary APN | M:11A-13900 B:163A L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 7,058 sqft |
| Basement Area | 1,520 sqft |
| Unfinished Basement | 1,520 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,682 sqft (0.36 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 10058 |
|---|---|
| Street Address | 125 SIMONDS ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 13900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 810412 |
125 Simonds St is owned and occupied by two individuals who bought it in October 2023.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 125 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 |
|---|---|
| Oct 18, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ELAINE H ZUCKERMAN TR |
| Nov 18, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Jan 21, 2022 | Foreclosure Foreclosure Auction |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 18, 2023 · Amount on File |
| Deed Sale | Oct 18, 2023 · Amount on File |
| Prior Sale | Jan 21, 2022 · Amount on File |
| Prior Transfer Date | Oct 17, 2023 |
| Prior Transfer Doc | 025194-299 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Oct 18, 2023 |
| Property Address | 125 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Document Number | 025194-299 |
| Book / Page | 25194 / 299 |
| Instrument Date | Oct 17, 2023 |
| Instrument | 49427 |
| Transaction Type | Transfer |
| Record Updated | Nov 3, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 507 N LIBERTY ST, BELCHERTOWN, MA 01007-8802 |
| Document Number | 0000049428 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 49428 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 125 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025091-429 |
|---|---|
| Date | Jul 25, 2023 |
| Book Page | 25091/429 |
| Instrument | 34151 |
| Name | ELAINE H ZUCKERMAN TR |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Aug 1, 2024 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Nov 18, 2022 |
| Property Address | 125 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Document Number | 024810-100 |
| Book / Page | 24810 / 100 |
| Instrument Date | Nov 3, 2022 |
| Instrument | 68130 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 MASSACHUSETTS AVE, LUDLOW, MA 01056-1842 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jan 21, 2022 |
| Property Address | 125 SIMONDS ST, LUDLOW, MA 01056-1805 |
| Document Number | 024365-249 |
| Book / Page | 24365 / 249 |
| Instrument Date | Jan 19, 2022 |
| Instrument | 4078 |
| Transaction Type | Foreclosure |
| Record Updated | Feb 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 STEPVIEW DR, HAMPDEN, MA 01036 |
The 2026 property tax bill for 125 Simonds St was $9,467, down 3.4% 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 | $9,467.00 (-3.41%) | $591,300 (+4.67%) Land $98,800 Building $492,500 | $499,488 (-2.89%) |
| 2025 | $9,801.00 (+2.29%) | $564,900 (+6.65%) Land $89,800 Building $475,100 | $514,330 (+19.36%) |
| 2024 | $9,582.00 (+4.21%) | $529,700 (+12.39%) Land $89,600 Building $440,100 | $430,920 |
| 2023 | $9,195.00 | $471,300 Land $82,100 Building $389,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 125 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 125 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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