14 Richmond Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 14 Richmond Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1965
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Nov 2018)
Tax Bill	$5,101 (2026)
Deeds & Mortgages	Apr 2022 Refinance Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:17D-12700 B:68 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:17D-12700 B:68 L:0`
Alternative APNs	`LUDL M:17D B:12700 P:68` `7089`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	4,434 sqft
Basement Area	1,096 sqft
Unfinished Basement	1,096 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	7089
Street Address	14 RICHMOND RD
City	LUDLOW
State	MA
Zip	01056-1436
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	12700
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1002
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town records, as of October 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	14 RICHMOND RD, LUDLOW, MA 01056-1436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN FINANCIAL NETWORK
Aug 23, 2019	Deed of Trust, Mortgage · Conventional with PMI MORTGAGE NTWK
Nov 16, 2018	Quit Claim Deed, Transfer · FHA Mortgage MORTGAGE NTWK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Feb 5, 2010 · Amount on Record
Deed Book / Page	22449 / 218
Last Transfer Date	Nov 25, 2024
Transfer Doc	025679-405
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	14 RICHMOND RD, LUDLOW, MA 01056-1436
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024514-440
Date	Apr 25, 2022
Book Page	24514/440
Instrument	24823

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	14 RICHMOND RD, LUDLOW, MA 01056-1436
Document Number	22825-498
Instrument Date	Aug 23, 2019
Transaction Type	Mortgage
Record Updated	Sep 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 RICHMOND RD LUDLOW MA 010561436, LUDLOW, MA 01056-1436

Mortgage

Document Number	22825-498
Date	Aug 28, 2019
Book Page	022825/000498
Instrument	48914

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 16, 2018
Property Address	14 RICHMOND RD, LUDLOW, MA 01056-1436
Document Number	22449-218
Book / Page	022449 / 000218
Instrument Date	Nov 7, 2018
Instrument	68901
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,055.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 ELIZABETH DR LUDLOW MA 010563134, LUDLOW, MA 01056-3134

Mortgage

Document Number	22449-221
Date	Nov 16, 2018
Book Page	022449/000221
Instrument	68902

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

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	$5,101.00 (-0.06%)	$318,600 (+8.29%) Land $119,500 Building $199,100	$330,315 (-8.09%)
2025	$5,104.00 (+2.86%)	$294,200 (+7.25%) Land $108,700 Building $185,500	$359,385 (+5.85%)
2024	$4,962.00 (+5.22%)	$274,300 (+13.49%) Land $108,400 Building $165,900	$339,530
2023	$4,716.00	$241,700 Land $95,100 Building $146,600

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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