15 Crest St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 15 Crest St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 988 sqft · built 1950
Lot Size	0.204 acres (8,886 sqft)
Owner	Individual Name on File
Last Sale	$201,000 (Aug 2019)
Tax Bill	$4,560 (2026)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27A-04500 B:59 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-04500 B:59 L:0`
Alternative APNs	`LUDL M:27A B:4500 P:59` `2539`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	988 sqft Living Area
Gross Area	2,748 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1976
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,886 sqft (0.204 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2539
Street Address	15 CREST ST
City	LUDLOW
State	MA
Zip	01056-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1017
Census Tract	810404

Owner

15 Crest St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	15 CREST ST, LUDLOW, MA 01056-3730
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2019 · Amount on File
Deed Sale	Aug 7, 2019 · Amount on File
Prior Sale	Jan 24, 2014 · Amount on File
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 7, 2019
Property Address	15 CREST ST, LUDLOW, MA 01056-3730
Document Number	22794-209
Book / Page	22794 / 209
Instrument Date	Aug 5, 2019
Instrument	44306
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 GRATTAN ST, CHICOPEE, MA 01020-1383

Mortgage

Document Number	44307
Date	Aug 7, 2019
Instrument	44307

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 15 Crest St was $4,560, down 2.8% 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	$4,560.00 (-2.79%)	$284,800 (+5.33%) Land $88,600 Building $196,200	$311,143 (-1.85%)
2025	$4,691.00 (+2.45%)	$270,400 (+6.84%) Land $80,500 Building $189,900	$317,015 (+3.5%)
2024	$4,579.00 (+7.77%)	$253,100 (+16.21%) Land $80,500 Building $172,600	$306,280
2023	$4,249.00	$217,800 Land $70,700 Building $147,100

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

Flood

FEMA maps place 15 Crest 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

Wildfire risk around 15 Crest 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	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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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