16 Roy St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,144 sqft · built 1988
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jul 2023)
Tax Bill	$5,014 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:02D-13150 B:89B L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02D-13150 B:89B L:0`
Alternative APNs	`LUDL M:2D B:13150 P:89B` `7242`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,144 sqft Living Area
Gross Area	3,872 sqft
Basement Area	1,144 sqft
Unfinished Basement	1,144 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,013 sqft (0.689 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	7242
Street Address	16 ROY ST
City	LUDLOW
State	MA
Zip	01056-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13150
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3013
Census Tract	810412

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	16 ROY ST, LUDLOW, MA 01056-1711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	May 28, 2013 · Amount on Record
Deed Book / Page	25099 / 96
Record Updated	Oct 29, 2026

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 31, 2023
Property Address	16 ROY ST, LUDLOW, MA 01056-1711
Document Number	0025099-96
Book / Page	25099 / 96
Instrument Date	Jul 31, 2023
Instrument	35366
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	83 SPRING ST, NORTHAMPTON, MA 01062-1274

Mortgage

Document Number	0000035367
Date	Jul 31, 2023
Instrument	35367

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	025099-125
Date	Jul 31, 2023
Book Page	25099/125
Instrument	35368

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2038

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	$5,014.00 (+0.56%)	$313,200 (+8.98%) Land $72,500 Building $240,700	$335,721 (+0.62%)
2025	$4,986.00 (+17.65%)	$287,400 (+22.66%) Land $65,900 Building $221,500	$333,640 (+10.47%)
2024	$4,238.00 (+5.95%)	$234,300 (+14.29%) Land $65,900 Building $168,400	$302,005
2023	$4,000.00	$205,000 Land $57,800 Building $147,200

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Crossroads Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 50

May also be available: GoNetspeed, T-Mobile, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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