125 West Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 125 West Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 912 sqft · built 1948
Lot Size	0.233 acres (10,149 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Dec 2021)
Tax Bill	$3,833 (2025)
Deeds & Mortgages	Sep 2021 Refinance Dec 2021 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:12A-17600 B:71 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12A-17600 B:71 L:0`
Alternative APNs	`LUDL M:12A B:17600 P:71` `8283`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	912 sqft Living Area
Gross Area	3,740 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Asbestos
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,149 sqft (0.233 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8283
Street Address	125 WEST AVE
City	LUDLOW
State	MA
Zip	01056-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	17600
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1006
Census Tract	810403

Owner

Source: Hampden County and Ludlow Town records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	125 WEST AVE, LUDLOW, MA 01056-2154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance JAMES NALLETT
Dec 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LOWER LLC
Sep 30, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance JAMES NALLETT
Dec 1, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 24, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 31, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Aug 30, 1985 · Amount on Record
Prior Transfer Date	Sep 15, 2021
Prior Transfer Doc	024153-314
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024153-314
Date	Sep 30, 2021
Book Page	24153/314
Instrument	68908

Lender

Name	JAMES NALLETT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 16, 2021
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Document Number	0024309-50
Book / Page	24309 / 50
Instrument Date	Dec 15, 2021
Instrument	90146
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 BRECKERIDGE ST, PALMER, MA 01069-1674

Mortgage

Document Number	0000090147
Date	Dec 16, 2021
Instrument	90147

Lender

Name	LOWER LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 30, 2021
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Document Number	24153-312
Book / Page	24153 / 312
Instrument Date	Sep 15, 2021
Instrument	68907
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 WEST AVE, LUDLOW, MA 01056-2154

Mortgage

Document Number	24153-314
Date	Sep 30, 2021
Book Page	24153/314
Instrument	68908

Lender

Name	JAMES NALLETT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 1, 2020
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Document Number	23562-519
Book / Page	023562 / 000519
Instrument Date	Nov 30, 2020
Instrument	70974
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 LINE ST AGAWAM MA 01001, AGAWAM, MA 01001

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 24, 2019
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Document Number	22916-180
Book / Page	022916 / 000180
Instrument Date	Oct 24, 2019
Instrument	61887
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 LINE ST AGAWAM MA 01001, AGAWAM, MA 01001

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 31, 2017
Property Address	125 WEST AVE, LUDLOW, MA 01056-2154
Document Number	21839-341
Book / Page	021839 / 000341
Instrument Date	Aug 27, 2017
Instrument	51233
Transaction Type	Transfer
Record Updated	Sep 19, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 WEST AVE LUDLOW MA 010562154, LUDLOW, MA 01056-2154

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Ludlow Town
Unified School District	Ludlow School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,833.00 (+2.76%)	$220,900 (+7.13%) Land $63,400 Building $157,500	$239,400 (+2.61%)
2024	$3,730.00 (+8.15%)	$206,200 (+16.63%) Land $63,400 Building $142,800	$233,320
2023	$3,449.00	$176,800 Land $52,700 Building $124,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 265 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

125 West Ave, Ludlow, MA 01056 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2021: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

October 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

August 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on West Ave

Nearby Streets

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