Hampden County and Ludlow Town property record for 20 Electric Ave, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,056 sqft · built 1964 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,000 (Mar 2019) |
| Tax Bill | $4,223 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:029-05200 B:10 L:0 |
| Primary APN | M:029-05200 B:10 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Gross Area | 3,324 sqft |
| Basement Area | 1,056 sqft |
| Unfinished Basement | 1,056 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 3033 |
|---|---|
| Street Address | 20 ELECTRIC AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3243 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 5200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 810404 |
20 Electric Ave is owned and occupied by an individual who bought it in March 2019.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20 ELECTRIC AVE, LUDLOW, MA 01056-3243 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 27, 2026 | Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION |
| Mar 26, 2019 | Warranty Deed, Transfer · Conventional with PMI MORTGAGE NTWK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 26, 2019 · Amount on File |
| Deed Sale | Mar 26, 2019 · Amount on File |
| Prior Sale | Sep 15, 2004 · Amount on File |
| Deed Document Number | 201914654 |
| Deed Book / Page | 22598 / 460 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 27, 2026 |
| Property Address | 20 ELECTRIC AVE, LUDLOW, MA 01056-3243 |
| Document Number | 0000041400 |
| Book / Page | 26483 / 9 |
| Instrument Date | Aug 21, 2026 |
| Instrument | 202641400 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2026 |
| Name | Verified Name |
|---|---|
| Address | 20 ELECTRIC AVE, LUDLOW, MA 01056-3243 |
| Document Number | 0000041400, |
|---|---|
| Date | Aug 27, 2026 |
| Book Page | 26483/9 |
| Instrument | 202641400 |
| Name | MASSMUTUAL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Mar 26, 2019 |
| Property Address | 20 ELECTRIC AVE, LUDLOW, MA 01056-3243 |
| Document Number | 22598-460 |
| Book / Page | 022598 / 000460 |
| Instrument Date | Mar 25, 2019 |
| Instrument | 14654 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $869.55 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27 WALNUT ST LUDLOW MA 010562437, LUDLOW, MA 01056-2437 |
| Document Number | 22598-463 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 022598/000463 |
| Instrument | 14655 |
| Name | MORTGAGE NTWK |
|---|---|
| Type | Mortgage Company |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2049 |
The 2026 property tax bill for 20 Electric Ave was $4,223, up 0.7% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,223.00 (+0.67%) | $263,800 (+9.1%) Land $93,600 Building $170,200 | $296,072 (-0.68%) |
| 2025 | $4,195.00 (+3.86%) | $241,800 (+8.28%) Land $85,100 Building $156,700 | $298,110 (+3.05%) |
| 2024 | $4,039.00 (+3.56%) | $223,300 (+11.71%) Land $85,100 Building $138,200 | $289,275 |
| 2023 | $3,900.00 | $199,900 Land $77,900 Building $122,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Electric Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 20 Electric Ave 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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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