20 Birch St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 20 Birch St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,296 sqft · built 1914
Lot Size	0.113 acres (4,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Oct 2022)
Tax Bill	$3,974 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:15A-01900 B:415 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-01900 B:415 L:0`
Alternative APNs	`LUDL M:15A B:1900 P:415` `689`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,296 sqft Living Area
Gross Area	2,270 sqft
Basement Area	702 sqft
Unfinished Basement	702 sqft

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,922 sqft (0.113 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	689
Street Address	20 BIRCH ST
City	LUDLOW
State	MA
Zip	01056-2417
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	1900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2014
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	2 Individual Names on Record
Mailing Address	20 BIRCH ST, LUDLOW, MA 01056-2417
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage FIRST IC BANK
Dec 13, 2018	Deed of Trust, Mortgage · VA Mortgage QUAD CTY BK&TR
Aug 17, 2017	Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2022 · Amount on Record
Deed Sale	Oct 3, 2022 · Amount on Record
Prior Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	202259431
Deed Book / Page	24752 / 134
Record Updated	Oct 29, 2026

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 3, 2022
Property Address	20 BIRCH ST, LUDLOW, MA 01056-2417
Document Number	024752-134
Book / Page	24752 / 134
Instrument Date	Oct 3, 2022
Instrument	59431
Transaction Type	Transfer
Record Updated	Oct 21, 2022

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
Relationship	Tenants by the Entirety
Address	143-9 BARCLAY AVE #3B # 3B, 3B, FLUSHING, NY 11351

Mortgage

Document Number	0000059432
Date	Oct 3, 2022
Instrument	59432

Lender

Name	FIRST IC BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.88%
Type Change Date	Nov 1, 2027
Max Rate At Change	4.25%
Index	1-Year CMT

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	20 BIRCH ST, LUDLOW, MA 01056-2417
Document Number	22490-42
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BIRCH ST LUDLOW MA 010562417, LUDLOW, MA 01056-2417

Mortgage

Document Number	22490-42
Date	Dec 19, 2018
Book Page	022490/000042
Instrument	75262

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2048

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 17, 2017
Property Address	20 BIRCH ST, LUDLOW, MA 01056-2417
Document Number	21816-165
Book / Page	021816 / 000165
Instrument Date	Aug 4, 2017
Instrument	47740
Transaction Type	Transfer
Record Updated	Sep 5, 2017

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 BIRCH ST LUDLOW MA 010562417, LUDLOW, MA 01056-2417

Mortgage

Document Number	21816-167
Date	Aug 17, 2017
Book Page	021816/000167
Instrument	47741

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 16, 2032

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	$3,974.00 (+3.27%)	$248,200 (+11.9%) Land $77,500 Building $170,700	$277,403 (-7.39%)
2025	$3,848.00 (+4.06%)	$221,800 (+8.51%) Land $70,500 Building $151,300	$299,535 (+1.19%)
2024	$3,698.00 (+15.17%)	$204,400 (+24.18%) Land $70,500 Building $133,900	$296,020
2023	$3,211.00	$164,600 Land $61,900 Building $102,700

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

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 93% of the US · lower than 83% 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 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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