Hampden County and Ludlow Town property record for 182 Howard St, Ludlow, MA 01056
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 3,250 sqft · built 1973 |
| Lot Size | 0.181 acres (7,889 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $7,544 (2026) |
| Deeds & Mortgages | Jan 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15A-07450 B:397 L:0 |
| Primary APN | M:15A-07450 B:397 L:0 |
|---|---|
| Alternative APNs |
|
| Total Rooms | 9 Rooms |
|---|---|
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 3,250 sqft Living Area |
| Gross Area | 4,970 sqft |
| Basement Area | 1,600 sqft |
| Unfinished Basement | 1,600 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,889 sqft (0.181 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 4373 |
|---|---|
| Street Address | 182 HOWARD ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2469 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Block | 7450 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 810403 |
182 Howard St, a residential property, is held in a trust since December 2025.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 22 WARREN ST, LUDLOW, MA 01056-3547 |
| Owner Type | Individual |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 15, 2025 |
| Transfer Doc | 026195-550 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jan 23, 2026 |
| Property Address | 182 HOWARD ST, LUDLOW, MA 01056-2469 |
| Document Number | 026195-550 |
| Book / Page | 26195 / 550 |
| Instrument Date | Dec 15, 2025 |
| Instrument | 3100 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 WARREN ST, LUDLOW, MA 01056-3547 |
The 2026 property tax bill for 182 Howard St was $7,544, up 6% from the year before.
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 |
|---|---|---|
| 2026 | $7,544.00 (+6.04%) | $471,200 (+14.93%) Land $150,000 Building $321,200 |
| 2025 | $7,114.00 (+7.98%) | $410,000 (+12.58%) Land $136,400 Building $273,600 |
| 2024 | $6,588.00 (+1.04%) | $364,200 (+8.98%) Land $126,500 Building $237,700 |
| 2023 | $6,520.00 | $334,200 Land $115,000 Building $219,200 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 182 Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 182 Howard 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.
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 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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