190 Sewall St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 190 Sewall St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,362 sqft · built 1905
Lot Size	0.268 acres (11,674 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Sep 2020)
Tax Bill	$5,661 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Sep 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:15A-13600 B:496 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-13600 B:496 L:0`
Alternative APNs	`LUDL M:15A B:13600 P:496` `7336`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,362 sqft Living Area
Gross Area	2,370 sqft
Basement Area	770 sqft
Unfinished Basement	770 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,674 sqft (0.268 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	7336
Street Address	190 SEWALL ST
City	LUDLOW
State	MA
Zip	01056-2706
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	13600
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2012
Census Tract	810403

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	190 SEWALL ST, LUDLOW, MA 01056-2706
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLESBANK (HOLYOKE MA)
Sep 29, 2020	Warranty Deed, Transfer NOT AVAILABLE
May 29, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Prior Sale	May 29, 2020 · Amount on Record
Deed Document Number	202055676
Deed Book / Page	23448 / 283
Transfer Doc	20478-231
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	190 SEWALL ST, LUDLOW, MA 01056-2706
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025975-168
Date	Aug 6, 2025
Book Page	25975/168
Instrument	36296

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2045

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 29, 2020
Property Address	190 SEWALL ST, LUDLOW, MA 01056-2706
Document Number	23448-283
Book / Page	023448 / 000283
Instrument Date	Sep 22, 2020
Instrument	55676
Transaction Type	Transfer
Record Updated	Oct 20, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1,093.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 CENTER ST LUDLOW MA 010562879, LUDLOW, MA 01056-2879

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	May 29, 2020
Property Address	190 SEWALL ST, LUDLOW, MA 01056-2706
Document Number	23235-238
Book / Page	23235 / 238
Instrument Date	May 28, 2020
Instrument	27512
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	937 GLOBE ST, FALL RIVER, MA 02724-6225

Mortgage

Document Number	27513
Date	May 29, 2020
Instrument	27513

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$5,661.00 (+3.38%)	$353,600 (+12.04%) Land $82,700 Building $270,900	$341,413 (+11.54%)
2025	$5,476.00 (+4.82%)	$315,600 (+9.28%) Land $75,200 Building $240,400	$306,090 (+6.76%)
2024	$5,224.00 (+2.88%)	$288,800 (+10.95%) Land $75,100 Building $213,700	$286,710
2023	$5,078.00	$260,300 Land $65,900 Building $194,400

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Massachusetts
Wildfire Likelihood	Under 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 367 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

May also be available: Verizon.

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