16 Pine St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 16 Pine St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,181 sqft · built 1917
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$243,000 (Dec 2022)
Tax Bill	$5,061 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15D-11400 B:237 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15D-11400 B:237 L:0`
Alternative APNs	`LUDL M:15D B:11400 P:237` `6525`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,181 sqft Living Area
Gross Area	2,774 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6525
Street Address	16 PINE ST
City	LUDLOW
State	MA
Zip	01056-2916
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	BUS A
Legal Subdivision	GEORGE W ELY
Legal Block	11400
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1036
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of July 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	16 PINE ST, LUDLOW, MA 01056-2916
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage EASTHAMPTON SAVINGS BANK
Dec 24, 2020	Quit Claim Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2022 · Amount on Record
Deed Sale	Dec 8, 2022 · Amount on Record
Prior Sale	Dec 24, 2020 · Amount on Record
Transfer Doc	18698-203
Record Updated	Sep 20, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 8, 2022
Property Address	16 PINE ST, LUDLOW, MA 01056-2916
Document Number	024832-338
Book / Page	24832 / 338
Instrument Date	Dec 7, 2022
Instrument	71522
Transaction Type	Transfer
Record Updated	Dec 23, 2022

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	265 CENTER ST, LUDLOW, MA 01056-2702

Mortgage

Document Number	0000071523
Date	Dec 8, 2022
Instrument	71523

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.49%
Type Change Date	Jan 1, 2030
Max Rate At Change	2.75%
Index	Other

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 24, 2020
Property Address	16 PINE ST, LUDLOW, MA 01056-2916
Document Number	23612-149
Book / Page	23612 / 149
Instrument Date	Dec 16, 2020
Instrument	78022
Transaction Type	Transfer
Record Updated	May 11, 2021

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	42 AMHERST ST, LUDLOW, MA 01056-2903

Mortgage

Document Number	78023
Date	Dec 24, 2020
Instrument	78023

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	FHA 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
2025	$5,061.00 (+3.86%)	$291,700 (+8.28%) Land $70,600 Building $221,100	$295,450 (+7.43%)
2024	$4,873.00 (+5.11%)	$269,400 (+13.38%) Land $70,500 Building $198,900	$275,025
2023	$4,636.00	$237,600 Land $61,900 Building $175,700

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	4 in force
Nearby Flood Claims	2 (1996–2011)
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 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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