127 Birch St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 127 Birch St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,871 sqft · built 1954
Lot Size	0.506 acres (22,041 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Sep 2003)
Tax Bill	$5,751 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:15A-01900 B:282 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-01900 B:282 L:0`
Alternative APNs	`LUDL M:15A B:1900 P:282` `668`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,871 sqft Living Area
Gross Area	5,166 sqft
Basement Area	1,635 sqft
Unfinished Basement	1,635 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,041 sqft (0.506 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	668
Street Address	127 BIRCH ST
City	LUDLOW
State	MA
Zip	01056-2802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Subdivision	BIRCH & EAST HOWARD STREETS
Legal Block	1900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2008
Census Tract	810403

Owner

127 Birch St is owned and occupied by two individuals who bought it in September 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	127 BIRCH ST, LUDLOW, MA 01056-2802
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 10, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Feb 2, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2003 · Amount on File
Deed Sale	Sep 26, 2003 · Amount on File
Prior Sale	May 26, 1987 · Amount on File
Transfer Doc	0000016225
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	127 BIRCH ST, LUDLOW, MA 01056-2802
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24058-5
Date	Aug 13, 2021
Book Page	24058/5
Instrument	56660

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	127 BIRCH ST, LUDLOW, MA 01056-2802
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23119-597
Date	Mar 10, 2020
Book Page	23119/597
Instrument	13017

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	127 BIRCH ST, LUDLOW, MA 01056-2802
Document Number	22066-290
Instrument Date	Feb 2, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22066-290
Date	Feb 20, 2018
Book Page	022066/000290
Instrument	8902

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 127 Birch St was $5,751, up 2.7% from the year before.

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
2026	$5,751.00 (+2.68%)	$359,200 (+11.28%) Land $89,900 Building $269,300	$437,059 (-6.42%)
2025	$5,601.00 (+5.34%)	$322,800 (+9.83%) Land $81,700 Building $241,100	$467,020 (+2.91%)
2024	$5,317.00 (+3.67%)	$293,900 (+11.79%) Land $82,300 Building $211,600	$453,815
2023	$5,129.00	$262,900 Land $72,200 Building $190,700

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

Flood

FEMA maps place 127 Birch 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

Wildfire risk around 127 Birch 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.

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 751 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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