184 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 184 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,480 sqft · built 1915
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2018)
Tax Bill	$4,091 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:69 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:69 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:69` `6916`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,480 sqft Living Area
Gross Area	2,737 sqft
Basement Area	740 sqft
Unfinished Basement	740 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1962
Architectural Style	Other
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	Gas

Location & Zoning

Account Number	6916
Street Address	184 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2828
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
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

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	184 PROSPECT ST, LUDLOW, MA 01056-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2018	Deed of Trust, Mortgage LUSO FCU
Oct 16, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2018 · Amount on Record
Deed Sale	Oct 16, 2018 · Amount on Record
Prior Sale	Dec 5, 2000 · Amount on Record
Deed Book / Page	22403 / 574
Transfer Doc	022403-574
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	184 PROSPECT ST, LUDLOW, MA 01056-2828
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22404-60
Date	Oct 16, 2018
Book Page	22404/60
Instrument	61958

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2028

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 16, 2018
Property Address	184 PROSPECT ST, LUDLOW, MA 01056-2828
Document Number	22403-524
Book / Page	022403 / 000524
Instrument Date	Aug 3, 2018
Instrument	61917
Transaction Type	Transfer
Record Updated	Nov 16, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 BIRCH ST LUDLOW MA 010562417, LUDLOW, MA 01056-2417

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
2026	$4,091.00 (+3.54%)	$255,500 (+12.21%) Land $81,400 Building $174,100	$292,241
2025	$3,951.00 (+3.27%)	$227,700 (+7.66%) Land $74,000 Building $153,700
2024	$3,826.00 (+7.05%)	$211,500 (+15.45%) Land $74,000 Building $137,500
2023	$3,574.00	$183,200 Land $64,900 Building $118,300

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 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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