154 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 154 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,547 sqft · built 1917
Lot Size	0.867 acres (37,767 sqft)
Owner	2 Individual Names on File
Last Sale	$179,901 (Sep 2008)
Tax Bill	$4,536 (2026)
Deeds & Mortgages	Jan 2022 Refinance Dec 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:11D-05850 B:21 L:1`

Property Details

APN / Parcel Number

Primary APN	`M:11D-05850 B:21 L:1`
Alternative APNs	`LUDL M:11D B:5850 P:21 E:1` `3355`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,547 sqft Living Area
Gross Area	3,356 sqft
Basement Area	700 sqft
Unfinished Basement	700 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1964
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,767 sqft (0.867 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	3355
Street Address	154 FULLER ST
City	LUDLOW
State	MA
Zip	01056-2325
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AG
Legal Block	5850
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1013
Census Tract	810412

Owner

154 Fuller St, a duplex, is owned by two individuals who bought it in September 2008.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 110, BELCHERTOWN, MA 01007-0110
Owner Type	Individual
Vesting	Et Al (and Others)

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 28, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Dec 5, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2008 · Amount on File
Deed Sale	Sep 30, 2008 · Amount on File
Prior Sale	Jun 21, 1996 · Amount on File
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	154 FULLER ST, LUDLOW, MA 01056-2325
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024379-265
Date	Jan 28, 2022
Book Page	24379/265
Instrument	6023

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	154 FULLER ST, LUDLOW, MA 01056-2325
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22985-173
Date	Dec 5, 2019
Book Page	22985/173
Instrument	71710

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 154 Fuller St was $4,536, up 3.2% 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	$4,536.00 (+3.21%)	$283,300 (+11.84%) Land $101,500 Building $181,800	$329,319
2025	$4,395.00 (+7.35%)	$253,300 (+11.93%) Land $92,300 Building $161,000
2024	$4,094.00 (+5.24%)	$226,300 (+13.49%) Land $92,300 Building $134,000
2023	$3,890.00	$199,400 Land $81,000 Building $118,400

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

Flood

FEMA maps place 154 Fuller St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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.

Wildfire

Wildfire risk around 154 Fuller 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 193 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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