Hampden County and Ludlow Town property record for 178 Cedar St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,468 sqft · built 1954 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Jun 2019) |
| Tax Bill | $4,964 (2025) |
| Deeds & Mortgages | Mar 2021 Refinance May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-03500 B:2 L:0 |
| Primary APN | M:15C-03500 B:2 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,468 sqft Living Area |
| Gross Area | 3,647 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1344 |
|---|---|
| Street Address | 178 CEDAR ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 3500 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records, as of April 14, 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 | 178 CEDAR ST, LUDLOW, MA 01056-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance MORTGAGE RESEARCH CENTER LLC |
| May 12, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jun 5, 2019 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 5, 2019 · Amount on Record |
| Deed Sale | Jun 5, 2019 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 178 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 225655 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 225655 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 178 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23205-407 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 23205/407 |
| Instrument | 23911 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 5, 2019 |
| Property Address | 178 CEDAR ST, LUDLOW, MA 01056-2909 |
| Document Number | 0000218398 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 218398 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $999.75 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 178 CEDAR ST LUDLOW MA 010562909, LUDLOW, MA 01056-2909 |
| Document Number | 218399 |
|---|---|
| Date | Jun 5, 2019 |
| Instrument | 218399 |
| Name | MORTGAGE RESEARCH CTR |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 4, 2049 |
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 |
|---|---|---|
| 2025 | $4,964.00 (+3.89%) | $286,100 (+8.33%) Land $70,600 Building $215,500 |
| 2024 | $4,778.00 (+5.38%) | $264,100 (+13.64%) Land $70,500 Building $193,600 |
| 2023 | $4,534.00 | $232,400 Land $61,900 Building $170,500 |
Assessed value is set for property tax purposes and is not a market price estimate.
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.
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.
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 278 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 |
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