Hampden County and Ludlow Town property record for 128 Williams St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,346 sqft · built 1962 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $413,000 (Jun 2026) |
| Tax Bill | $5,584 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-18350 B:56 L:0 |
| Primary APN | M:15C-18350 B:56 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 3,949 sqft |
| Basement Area | 1,080 sqft |
| Unfinished Basement | 1,080 sqft |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 8746 |
|---|---|
| Street Address | 128 WILLIAMS ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2926 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 18350 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 810404 |
128 Williams St is owned by two individuals who bought it in June 2026.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 SHADY BROOK LN, SPRINGFIELD, MA 01118-2428 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage NAVY FCU |
| Dec 8, 2017 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on File |
| Deed Sale | Jun 17, 2026 · Amount on File |
| Prior Sale | Dec 8, 2017 · Amount on File |
| Deed Document Number | 202627819 |
| Deed Book / Page | 26378 / 412 |
| Transfer Doc | 1944000409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 17, 2026 |
| Property Address | 128 WILLIAMS ST, LUDLOW, MA 01056-2926 |
| Document Number | 0000027819 |
| Book / Page | 26378 / 412 |
| Instrument Date | Jun 12, 2026 |
| Instrument | 202627819 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| 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 |
| Date | Jun 17, 2026 |
|---|
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 128 WILLIAMS ST, LUDLOW, MA 01056-2926 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0024245-83 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 24245/83 |
| Instrument | 80994 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Dec 8, 2017 |
| Property Address | 128 WILLIAMS ST, LUDLOW, MA 01056-2926 |
| Document Number | 21979-229 |
| Book / Page | 021979 / 000229 |
| Instrument Date | Dec 6, 2017 |
| Instrument | 72863 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $837.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 WILLIAMS ST LUDLOW MA 010562926, LUDLOW, MA 01056-2926 |
| Document Number | 21979-231 |
|---|---|
| Date | Dec 8, 2017 |
| Book Page | 021979/000231 |
| Instrument | 72864 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 7, 2047 |
The 2026 property tax bill for 128 Williams St was $5,584, down 0.3% 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 | $5,584.00 (-0.32%) | $348,800 (+8.02%) Land $89,500 Building $259,300 | $384,548 (+22.96%) |
| 2025 | $5,602.00 (+3.88%) | $322,900 (+8.32%) Land $81,400 Building $241,500 | $312,740 (+13.17%) |
| 2024 | $5,393.00 (+4.39%) | $298,100 (+12.58%) Land $81,400 Building $216,700 | $276,355 |
| 2023 | $5,166.00 | $264,800 Land $71,400 Building $193,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Williams 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 128 Williams 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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