Hampden County and Ludlow Town property record for 16 Posner Cir, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,296 sqft · built 1961 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $167,000 (May 2015) |
| Tax Bill | $5,270 (2026) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | M:028-11750 B:21 L:0 |
| Primary APN | M:028-11750 B:21 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 3,844 sqft |
| Basement Area | 864 sqft |
| Unfinished Basement | 864 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,106 sqft (0.232 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 6820 |
|---|---|
| Street Address | 16 POSNER CIR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 11750 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 810404 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 16 POSNER CIR, LUDLOW, MA 01056-3221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2015 · Amount on Record |
| Deed Sale | May 1, 2015 · Amount on Record |
| Prior Sale | Jan 16, 2007 · Amount on Record |
| Deed Book / Page | 20688 / 166 |
| Transfer Doc | 020688-166 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 16 POSNER CIR, LUDLOW, MA 01056-3221 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 21945-26 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 21945/26 |
| Instrument | 67539 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Nov 1, 2022 |
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 | $5,270.00 (+0.17%) | $329,200 (+8.58%) Land $93,700 Building $235,500 | $333,362 (+9.62%) |
| 2025 | $5,261.00 (+5.09%) | $303,200 (+9.58%) Land $85,200 Building $218,000 | $304,095 (-0.06%) |
| 2024 | $5,006.00 (+4.47%) | $276,700 (+12.66%) Land $85,200 Building $191,500 | $304,285 |
| 2023 | $4,792.00 | $245,600 Land $78,000 Building $167,600 |
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: GoNetspeed, Verizon.
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