153 Whitney St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 153 Whitney St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,504 sqft · built 1895
Lot Size	0.227 acres (9,888 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Jan 2015)
Tax Bill	$4,247 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15A-18250 B:485 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-18250 B:485 L:0`
Alternative APNs	`LUDL M:15A B:18250 P:485` `8702`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,504 sqft Living Area
Gross Area	3,037 sqft
Basement Area	752 sqft
Unfinished Basement	752 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1966
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,888 sqft (0.227 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	8702
Street Address	153 WHITNEY ST
City	LUDLOW
State	MA
Zip	01056-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	18250
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2012
Census Tract	810403

Owner

153 Whitney St is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	153 WHITNEY ST, LUDLOW, MA 01056-2415
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

Date	Document
Jan 25, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 25, 2020	Quit Claim Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2015 · Amount on File
Deed Sale	Jan 28, 2015 · Amount on File
Prior Sale	Jun 15, 2005 · Amount on File
Last Transfer Date	Aug 11, 2020
Transfer Doc	23381-238
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	153 WHITNEY ST, LUDLOW, MA 01056-2415
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024888-328
Date	Jan 25, 2023
Book Page	24888/328
Instrument	4099

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	265 Months
Due	Feb 1, 2045

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 25, 2020
Property Address	153 WHITNEY ST, LUDLOW, MA 01056-2415
Document Number	23381-238
Book / Page	23381 / 238
Instrument Date	Aug 11, 2020
Instrument	46818
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 WHITNEY ST, LUDLOW, MA 01056-2415

Mortgage

Document Number	23381-241
Date	Aug 25, 2020
Book Page	23381/241
Instrument	46819

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 153 Whitney St was $4,247, up 2.6% 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	$4,247.00 (+2.58%)	$265,300 (+11.19%) Land $81,300 Building $184,000	$310,148 (-1.96%)
2025	$4,140.00 (+3.45%)	$238,600 (+7.87%) Land $73,900 Building $164,700	$316,350 (+4.42%)
2024	$4,002.00 (+4.87%)	$221,200 (+13.09%) Land $73,900 Building $147,300	$302,955
2023	$3,816.00	$195,600 Land $64,900 Building $130,700

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

Flood

FEMA maps place 153 Whitney St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 153 Whitney St is low, with less than 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 93% of the US · lower than 83% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 751 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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