15 Victor St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,326 sqft · built 1953
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,000 (Apr 2024)
Tax Bill	$4,889 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Oct 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:11D-16000 B:100 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11D-16000 B:100 L:0`
Alternative APNs	`LUDL M:11D B:16000 P:100` `7964`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	4,120 sqft
Basement Area	884 sqft
Unfinished Basement	884 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,803 sqft (0.248 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7964
Street Address	15 VICTOR ST
City	LUDLOW
State	MA
Zip	01056-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	16000
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1011
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	2 Individual Names on Record
Mailing Address	15 VICTOR ST, LUDLOW, MA 01056-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FREEDOM CU
Oct 12, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC
Mar 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage AURA MORTGAGE ADVISORS LLC
Mar 19, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NSP RESIDENTIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2024 · Amount on Record
Deed Sale	Apr 17, 2024 · Amount on Record
Prior Sale	Oct 12, 2023 · Amount on Record
Record Updated	Oct 29, 2026

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 17, 2024
Property Address	15 VICTOR ST, LUDLOW, MA 01056-2012
Document Number	025385-461
Book / Page	25385 / 461
Instrument Date	Apr 17, 2024
Instrument	16128
Transaction Type	Transfer
Record Updated	May 3, 2024

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	15 VICTOR ST, LUDLOW, MA 01056-2012

Mortgage

Document Number	0000016129
Date	Apr 17, 2024
Instrument	16129

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 12, 2023
Property Address	15 VICTOR ST, LUDLOW, MA 01056-2012
Document Number	025188-309
Book / Page	25188 / 309
Instrument Date	Oct 12, 2023
Instrument	48552
Transaction Type	Transfer
Record Updated	Oct 27, 2023

Transaction

Amount	Amount Recorded
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	9 HUBBARD ST, LUDLOW, MA 01056-2756

Mortgage

Document Number	0000048553
Date	Oct 12, 2023
Instrument	48553

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 19, 2020
Property Address	15 VICTOR ST, LUDLOW, MA 01056-2012
Document Number	23134-472
Book / Page	23134 / 472
Instrument Date	Mar 19, 2020
Instrument	14892
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 VICTOR ST, LUDLOW, MA 01056-2012

Mortgage

Document Number	14893
Date	Mar 19, 2020
Instrument	14893

Lender

Name	AURA MORTGAGE ADVISORS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 19, 2020
Property Address	15 VICTOR ST, LUDLOW, MA 01056-2012
Document Number	23134-457
Book / Page	23134 / 457
Instrument Date	Mar 19, 2020
Instrument	14885
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 MALCOLM X BLVD # GROUND, GROUND, ROXBURY, MA 02119-1775
Investor	Possibly a Property Investor

Mortgage

Document Number	14894
Date	Mar 19, 2020
Instrument	14894

Lender

Name	NSP RESIDENTIAL LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$4,889.00 (+10.89%)	$305,400 (+20.19%) Land $90,200 Building $215,200	$326,840 (-11.6%)
2025	$4,409.00 (+2.53%)	$254,100 (+6.9%) Land $82,000 Building $172,100	$369,740 (+13.9%)
2024	$4,300.00 (+6.99%)	$237,700 (+15.39%) Land $82,000 Building $155,700	$324,615
2023	$4,019.00	$206,000 Land $72,000 Building $134,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 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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