181 Pine St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 181 Pine St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,278 sqft · built 1952
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2018)
Tax Bill	$5,205 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15B-11400 B:108 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15B-11400 B:108 L:0`
Alternative APNs	`LUDL M:15B B:11400 P:108` `6487`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,278 sqft Living Area
Gross Area	3,108 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1978
Architectural Style	Ranch
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	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	6487
Street Address	181 PINE ST
City	LUDLOW
State	MA
Zip	01056-2919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	11400
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1029
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of July 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	181 PINE ST, LUDLOW, MA 01056-2919
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) LUSO FCU
Jul 26, 2018	Quit Claim Deed, Transfer · Conventional with PMI LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on Record
Deed Sale	Jul 26, 2018 · Amount on Record
Prior Sale	Apr 19, 2013 · Amount on Record
Deed Document Number	2018215289
Last Transfer Date	Jun 17, 2025
Transfer Doc	0000240175
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	181 PINE ST, LUDLOW, MA 01056-2919
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000240914
Date	Oct 1, 2025
Instrument	240914

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2035

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 26, 2018
Property Address	181 PINE ST, LUDLOW, MA 01056-2919
Document Number	0000215289
Instrument Date	Jul 26, 2018
Instrument	215289
Transaction Type	Transfer
Record Updated	Aug 14, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$999.75
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 WESTON ST WILBRAHAM MA 010951030, WILBRAHAM, MA 01095-1030

Mortgage

Document Number	215290
Date	Jul 26, 2018
Instrument	215290

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2048

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
2025	$5,205.00 (+5%)	$300,000 (+9.49%) Land $74,000 Building $226,000	$317,015 (+7.58%)
2024	$4,957.00 (+6.03%)	$274,000 (+14.36%) Land $74,000 Building $200,000	$294,690
2023	$4,675.00	$239,600 Land $64,900 Building $174,700

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	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

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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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