Hampden County and Ludlow Town property record for 15 John St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2 ba · 2,280 sqft · built 1949 |
| Lot Size | 0.286 acres (12,458 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,835 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:16B-07900 B:3 L:0 |
| Primary APN | M:16B-07900 B:3 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 2,280 sqft Living Area |
| Gross Area | 5,417 sqft |
| Basement Area | 1,656 sqft |
| Unfinished Basement | 1,656 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,458 sqft (0.286 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 4532 |
|---|---|
| Street Address | 15 JOHN ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 7900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 810412 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 15 JOHN ST, LUDLOW, MA 01056-2008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2004 |
| Deed Sale | Aug 9, 2004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 15 JOHN ST, LUDLOW, MA 01056-2008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24172-203 |
|---|---|
| Date | Oct 8, 2021 |
| Book Page | 24172/203 |
| Instrument | 71415 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Nov 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,835.00 (-3.23%) | $426,900 (+4.86%) Land $91,700 Building $335,200 | $384,109 (+0.9%) |
| 2025 | $7,063.00 (+3.79%) | $407,100 (+8.21%) Land $83,400 Building $323,700 | $380,665 (-18.24%) |
| 2024 | $6,805.00 (+4.93%) | $376,200 (+13.18%) Land $83,300 Building $292,900 | $465,595 |
| 2023 | $6,485.00 | $332,400 Land $73,100 Building $259,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 213 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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