204 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 204 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,456 sqft · built 1951
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Dec 2013)
Tax Bill	$4,705 (2026)
Deeds & Mortgages	Apr 2021 Refinance Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:71 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:71 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:71` `6918`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	3,016 sqft
Basement Area	1,456 sqft
Unfinished Basement	1,456 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
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)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6918
Street Address	204 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2828
Property Category	Residential
Property Type	Residential > Single Family > Home
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	204 PROSPECT ST, LUDLOW, MA 01056-2828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2013 · Amount on Record
Deed Sale	Dec 6, 2013 · Amount on Record
Deed Book / Page	20125 / 419
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	204 PROSPECT ST, LUDLOW, MA 01056-2828
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023821-166
Date	Apr 13, 2021
Book Page	23821/166
Instrument	24895

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	204 PROSPECT ST, LUDLOW, MA 01056-2828
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024508-518
Date	Apr 21, 2022
Book Page	24508/518
Instrument	23960

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate

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	$4,705.00 (+0.88%)	$293,900 (+9.34%) Land $81,400 Building $212,500	$307,585 (-3.15%)
2025	$4,664.00 (+5.57%)	$268,800 (+10.07%) Land $74,000 Building $194,800	$317,585 (+2.67%)
2024	$4,418.00 (+5.22%)	$244,200 (+13.48%) Land $74,000 Building $170,200	$309,320
2023	$4,199.00	$215,200 Land $64,900 Building $150,300

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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