164 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 164 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1941
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Mar 2024)
Tax Bill	$5,746 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:66 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:66 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:66` `6910`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,652 sqft
Basement Area	840 sqft
Unfinished Basement	840 sqft

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6910
Street Address	164 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	11950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1030
Census Tract	810404

Owner

164 Prospect St is owned by two individuals who bought it in March 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	75 NASSAU DR, SPRINGFIELD, MA 01129-1432
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Mar 22, 2024	Fiduciary Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST
Dec 1, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2024 · Amount on File
Deed Sale	Mar 22, 2024 · Amount on File
Prior Sale	Dec 1, 2020 · Amount on File
Prior Transfer Date	Nov 23, 2020
Prior Transfer Doc	23563-567
Record Updated	Oct 29, 2026

March 2024: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 22, 2024
Property Address	164 PROSPECT ST, LUDLOW, MA 01056-2828
Document Number	025359-268
Book / Page	25359 / 268
Instrument Date	Mar 22, 2024
Instrument	12261
Transaction Type	Transfer
Record Updated	Apr 5, 2024

Transaction

Amount	Amount on Record
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	Tenants by the Entirety
Address	75 NASSAU DR, SPRINGFIELD, MA 01129-1432

Mortgage

Document Number	0000012262
Date	Mar 22, 2024
Instrument	12262

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 1, 2020
Property Address	164 PROSPECT ST, LUDLOW, MA 01056-2828
Document Number	23563-567
Book / Page	23563 / 567
Instrument Date	Nov 23, 2020
Instrument	71112
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
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 Venture
Address	164 PROSPECT ST, LUDLOW, MA 01056-2828

Mortgage

Document Number	71113
Date	Dec 1, 2020
Instrument	71113

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 164 Prospect St was $5,746, down 2.6% 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	$5,746.00 (-2.63%)	$358,900 (+5.53%) Land $81,400 Building $277,500	$339,222 (+3.98%)
2025	$5,901.00 (+4.09%)	$340,100 (+8.52%) Land $74,000 Building $266,100	$326,230 (+6.75%)
2024	$5,669.00 (+7.14%)	$313,400 (+15.56%) Land $74,000 Building $239,400	$305,615
2023	$5,291.00	$271,200 Land $64,900 Building $206,300

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

Flood

FEMA maps place 164 Prospect St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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

Wildfire risk around 164 Prospect 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	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 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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