138 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 138 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,475 sqft · built 1947
Lot Size	0.363 acres (15,812 sqft)
Owner	2 Company Names on Record
Last Sale	$100,000 (Sep 1988)
Tax Bill	$4,513 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:11D-05850 B:30 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11D-05850 B:30 L:0`
Alternative APNs	`LUDL M:11D B:5850 P:30` `3368`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,475 sqft Living Area
Gross Area	4,285 sqft
Basement Area	918 sqft
Unfinished Basement	918 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,812 sqft (0.363 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3368
Street Address	138 FULLER ST
City	LUDLOW
State	MA
Zip	01056-2321
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	5850
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1013
Census Tract	810412

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	138 FULLER ST, LUDLOW, MA 01056-2321
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Line of Credit TD BANK
Jul 15, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 1988 · Amount on Record
Deed Sale	Sep 1, 1988 · Amount on Record
Last Transfer Date	Jun 13, 2019
Transfer Doc	22753-432
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jul 16, 2026
Property Address	138 FULLER ST, LUDLOW, MA 01056-2321
Document Number	0000033085
Book / Page	26419 / 47
Instrument Date	Jun 25, 2026
Instrument	202633085
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033085,
Date	Jul 16, 2026
Book Page	26419/47
Instrument	202633085

Lender

Name	TD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Max Rate	-1%

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 15, 2019
Property Address	138 FULLER ST, LUDLOW, MA 01056-2321
Document Number	22753-432
Book / Page	022753 / 000432
Instrument Date	Jun 13, 2019
Instrument	38344
Transaction Type	Transfer
Record Updated	Jul 30, 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
Relationship	Trust
Address	138 FULLER ST LUDLOW MA 010562321, LUDLOW, MA 01056-2321

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
2026	$4,513.00 (-2.76%)	$281,900 (+5.38%) Land $85,100 Building $196,800	$303,369 (-7.65%)
2025	$4,641.00 (+3.11%)	$267,500 (+7.52%) Land $77,400 Building $190,100	$328,510 (+5.94%)
2024	$4,501.00 (+6.81%)	$248,800 (+15.19%) Land $77,200 Building $171,600	$310,080
2023	$4,214.00	$216,000 Land $67,800 Building $148,200

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 · 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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
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

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	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 193 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

May also be available: Verizon.

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