18 Keith Cir, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 18 Keith Cir, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1995
Lot Size	0.587 acres (25,570 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jun 2022)
Tax Bill	$6,182 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:02C-08100 B:20L L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02C-08100 B:20L L:0`
Alternative APNs	`LUDL M:2C B:8100 P:20L` `4621`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	4,196 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	25,570 sqft (0.587 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	4621
Street Address	18 KEITH CIR
City	LUDLOW
State	MA
Zip	01056-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	8100
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3016
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town records · APN M:02C-08100 B:20L L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	18 KEITH CIR, LUDLOW, MA 01056-1252
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 27, 2022 · Amount on Record
Deed Sale	Jun 27, 2022 · Amount on Record
Prior Sale	Apr 30, 2002 · Amount on Record
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 27, 2022
Property Address	18 KEITH CIR, LUDLOW, MA 01056-1252
Document Number	0000230968
Instrument Date	Jun 27, 2022
Instrument	230968
Transaction Type	Transfer
Record Updated	Jul 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	45 JENKS ST, AMHERST, MA 01002-1640

Mortgage

Document Number	0000230969
Date	Jun 27, 2022
Instrument	230969

Lender

Name	MORTGAGE NETWORK INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jul 01, 2032
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,182.00 (+4.06%)	$356,300 (+8.5%) Land $83,500 Building $272,800	$335,255 (-15.61%)
2024	$5,941.00 (+18.87%)	$328,400 (+28.18%) Land $84,800 Building $243,600	$397,290
2023	$4,998.00	$256,200 Land $74,400 Building $181,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Based on FCC filings for 190 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.