Hampden County and Ludlow Town property record for 132 River St, Ludlow, MA 01056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1964 |
| Square Footage | 988 sqft Living Area |
| Lot Size | 10,106 sqft (0.232 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $209,500 (2016) |
| Tax Bill | $4,282.00 (2025) |
| Primary APN | M:12A-12800 B:5 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,964 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 10,106 sqft (0.232 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | 7132 |
|---|---|
| Street Address | 132 RIVER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2620 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 12800 |
| Jurisdiction | LUDLOW MA |
| Minor Civil Division | LUDLOW |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 810403 |
Source: Hampden County and Ludlow Town records · APN M:12A-12800 B:5 L:0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 132 RIVER ST, LUDLOW, MA 01056-2620 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Stand Alone Refinance BERKSHIRE BANK |
| Jan 04, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance POLISH NATIONAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2016 · Amount on Record |
| Deed Sale | Jul 14, 2016 · Amount on Record |
| Prior Sale | Aug 31, 2006 · Amount on Record |
| Deed Doc Number | 201640273 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 132 RIVER ST, LUDLOW, MA 01056-2620 |
| Transaction Type | Mortgage |
| Record Updated | Jun 09, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025020-453 |
|---|---|
| Date | May 26, 2023 |
| Book Page | 25020/453 |
| Instrument | 24171 |
| Name | BERKSHIRE BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 132 RIVER ST, LUDLOW, MA 01056-2620 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024340-149 |
|---|---|
| Date | Jan 04, 2022 |
| Book Page | 24340/149 |
| Instrument | 415 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,282.00 (+4.36%) | $246,800 (+8.82%) Land $70,400 Building $176,400 | $320,720 (+1.84%) |
| 2024 | $4,103.00 (+7.46%) | $226,800 (+15.89%) Land $70,400 Building $156,400 | $314,925 |
| 2023 | $3,818.00 | $195,700 Land $58,500 Building $137,200 |
132 River St is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Hampden County (25013C), updated June 7, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 2nd percentile of exposed land nationally · 4th in Massachusetts |
|---|---|
| Wildfire Likelihood | Low — less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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