15 Higher St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,605 sqft · built 1954
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Aug 2018)
Tax Bill	$6,135 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:16D-06900 B:54 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16D-06900 B:54 L:0`
Alternative APNs	`LUDL M:16D B:6900 P:54` `3994`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,605 sqft Living Area
Gross Area	1,969 sqft
Basement Area	238 sqft
Unfinished Basement	238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,013 sqft (0.689 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3994
Street Address	15 HIGHER ST
City	LUDLOW
State	MA
Zip	01056-2526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	6900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2013
Census Tract	810414

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	15 HIGHER ST, LUDLOW, MA 01056-2526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Nov 19, 2019	Deed of Trust, Mortgage · Conventional with PMI FLORENCE BK
Aug 30, 2018	Warranty Deed, Transfer · Conventional Mortgage PIONEER VLY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Mar 31, 1998 · Amount on Record
Deed Document Number	201852006
Deed Book / Page	22337 / 474
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jun 17, 2026
Property Address	15 HIGHER ST, LUDLOW, MA 01056-2526
Document Number	0000027692
Book / Page	26377 / 453
Instrument Date	Jun 12, 2026
Instrument	202627692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HIGHER ST, LUDLOW, MA 01056-2526

Mortgage

Document Number	0000027692,
Date	Jun 17, 2026
Book Page	26377/453
Instrument	202627692

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	15 HIGHER ST, LUDLOW, MA 01056-2526
Document Number	22969-133
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 HIGHER ST LUDLOW MA 010562526, LUDLOW, MA 01056-2526

Mortgage

Document Number	22969-133
Date	Nov 25, 2019
Book Page	022969/000133
Instrument	69356

Lender

Name	FLORENCE BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 24, 2039

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 30, 2018
Property Address	15 HIGHER ST, LUDLOW, MA 01056-2526
Document Number	22337-474
Book / Page	022337 / 000474
Instrument Date	Aug 30, 2018
Instrument	52006
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,185.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1477 NORTHAMPTON ST HOLYOKE MA 010401915, HOLYOKE, MA 01040-1915

Mortgage

Document Number	22337-476
Date	Aug 30, 2018
Book Page	022337/000476
Instrument	52007

Lender

Name	PIONEER VLY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 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	$6,135.00 (+1.24%)	$383,200 (+9.71%) Land $91,800 Building $291,400	$396,957 (+12.17%)
2025	$6,060.00 (+6.19%)	$349,300 (+10.71%) Land $83,500 Building $265,800	$353,875 (+2.76%)
2024	$5,707.00 (+5.02%)	$315,500 (+13.29%) Land $83,400 Building $232,100	$344,375
2023	$5,434.00	$278,500 Land $69,400 Building $209,100

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 Policies	2 in force

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 118 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

15 Higher St, Ludlow, MA 01056 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Higher St

Nearby Streets

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