20 Richard St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,723 sqft · built 1995
Lot Size	0.485 acres (21,127 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Nov 2005)
Tax Bill	$6,266 (2026)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:003-12650 B:25C L:0`

Property Details

APN / Parcel Number

Primary APN	`M:003-12650 B:25C L:0`
Alternative APNs	`LUDL M:3 B:12650 P:25C` `7072`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,723 sqft Living Area
Gross Area	2,639 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,127 sqft (0.485 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7072
Street Address	20 RICHARD ST
City	LUDLOW
State	MA
Zip	01056-1254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	12650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1018
Census Tract	810414

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	20 RICHARD ST, LUDLOW, MA 01056-1254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2024	Deed of Trust, Mortgage · Line of Credit FLORENCE BANK
Jun 13, 2023	Deed, Transfer
Apr 22, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2005 · Amount on Record
Deed Sale	Nov 18, 2005 · Amount on Record
Prior Sale	Apr 30, 1996 · Amount on Record
Last Transfer Date	Jun 9, 2023
Transfer Doc	0025040-40
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	20 RICHARD ST, LUDLOW, MA 01056-1254
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025311-291
Date	Feb 5, 2024
Book Page	25311/291
Instrument	4941

Lender

Name	FLORENCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 13, 2023
Property Address	20 RICHARD ST, LUDLOW, MA 01056-1254
Document Number	0025040-40
Book / Page	25040 / 40
Instrument Date	Jun 9, 2023
Instrument	26845
Transaction Type	Transfer
Record Updated	Jul 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 RICHARD ST, LUDLOW, MA 01056-1254

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	20 RICHARD ST, LUDLOW, MA 01056-1254
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22633-198
Date	Apr 22, 2019
Book Page	22633/198
Instrument	20175

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	May 1, 2024

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	$6,266.00 (+2.52%)	$391,400 (+11.1%) Land $98,400 Building $293,000	$413,113 (-6.04%)
2025	$6,112.00 (+1.58%)	$352,300 (+5.92%) Land $89,500 Building $262,800	$439,660 (+4.73%)
2024	$6,017.00 (+3.05%)	$332,600 (+11.13%) Land $89,900 Building $242,700	$419,805
2023	$5,839.00	$299,300 Land $78,900 Building $220,400

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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GoNetspeed.

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