162 James St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 162 James St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 968 sqft · built 1972
Lot Size	1.12 acres (49,005 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Apr 2024)
Tax Bill	$5,045 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:031-07800 B:68 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:031-07800 B:68 L:0`
Alternative APNs	`LUDL M:31 B:7800 P:68` `4508`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	968 sqft Living Area
Gross Area	2,256 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,005 sqft (1.12 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	4508
Street Address	162 JAMES ST
City	LUDLOW
State	MA
Zip	01056-1506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	7800
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

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	2 Individual Names on Record
Mailing Address	6 DENNIS WILBUR DR, CHARLTON, MA 01507-1449
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Apr 9, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Nov 17, 2022	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2024 · Amount on Record
Deed Sale	Apr 9, 2024 · Amount on Record
Prior Sale	Nov 17, 2022 · Amount on Record
Deed Document Number	202414834
Deed Book / Page	25376 / 578
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 17, 2026
Property Address	162 JAMES ST, LUDLOW, MA 01056-1506
Document Number	00026296-3
Book / Page	26296 / 3
Instrument Date	Apr 13, 2026
Instrument	202616728
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	162 JAMES ST, LUDLOW, MA 01056-1506

Mortgage

Document Number	0000016728,
Date	Apr 17, 2026
Book Page	26296/3
Instrument	202616728

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 9, 2024
Property Address	162 JAMES ST, LUDLOW, MA 01056-1506
Document Number	025376-578
Book / Page	25376 / 578
Instrument Date	Apr 9, 2024
Instrument	14834
Transaction Type	Transfer
Record Updated	Apr 26, 2024

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
Relationship	Joint Tenants with Right of Survivorship
Address	6 DENNIS WILBUR DR, CHARLTON, MA 01507-1449

Mortgage

Document Number	0000014835
Date	Apr 9, 2024
Instrument	14835

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 17, 2022
Property Address	162 JAMES ST, LUDLOW, MA 01056-1506
Document Number	024808-353
Book / Page	24808 / 353
Instrument Date	May 17, 2022
Instrument	67885
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	444A N MAIN ST # 234, 234, EAST LONGMEADOW, MA 01028-1812

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	$5,045.00 (+28.83%)	$315,100 (+39.61%) Land $91,700 Building $223,400	$306,949 (+5.87%)
2025	$3,916.00 (+3.68%)	$225,700 (+8.09%) Land $92,600 Building $133,100	$289,940 (+0.13%)
2024	$3,777.00 (-1.54%)	$208,800 (+6.21%) Land $92,600 Building $116,200	$289,560
2023	$3,836.00	$196,600 Land $77,000 Building $119,600

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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