Hampden County and Ludlow Town property record for 21 Circuit Ave, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,346 sqft · built 1964 |
| Lot Size | 0.234 acres (10,193 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $198,000 (Apr 2019) |
| Tax Bill | $4,608 (2026) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:030-04050 B:9 L:0 |
| Primary APN | M:030-04050 B:9 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| Gross Area | 2,588 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,193 sqft (0.234 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 2340 |
|---|---|
| Street Address | 21 CIRCUIT AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 4050 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 CIRCUIT AVE, LUDLOW, MA 01056-3205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 2, 2026 | Deed of Trust, Mortgage CITIZENS BANK |
| Sep 9, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 5, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Apr 30, 2019 | Warranty Deed, Transfer · Conventional with PMI PEOPLESBANK (HOLYOKE MA) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on Record |
| Deed Sale | Apr 30, 2019 · Amount on Record |
| Prior Sale | Feb 2, 2009 · Amount on Record |
| Deed Document Number | 201921958 |
| Deed Book / Page | 22645 / 45 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 CIRCUIT AVE, LUDLOW, MA 01056-3205 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|
| Document Number | 026237-543 |
|---|---|
| Date | Mar 2, 2026 |
| Book Page | 26237/543 |
| Instrument | 9030 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 CIRCUIT AVE, LUDLOW, MA 01056-3205 |
| Transaction Type | Mortgage |
| Record Updated | Sep 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024717-519 |
|---|---|
| Date | Sep 9, 2022 |
| Book Page | 24717/519 |
| Instrument | 54523 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 CIRCUIT AVE, LUDLOW, MA 01056-3205 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23517-233 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 23517/233 |
| Instrument | 64995 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Apr 30, 2019 |
| Property Address | 21 CIRCUIT AVE, LUDLOW, MA 01056-3205 |
| Document Number | 22645-45 |
| Book / Page | 022645 / 000045 |
| Instrument Date | Apr 17, 2019 |
| Instrument | 21958 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $920.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 169 SANDTRAP WAY CHICOPEE MA 010204931, CHICOPEE, MA 01020-4931 |
| Document Number | 22645-48 |
|---|---|
| Date | Apr 30, 2019 |
| Book Page | 022645/000048 |
| Instrument | 21959 |
| Name | PEOPLESBANK (HOLYOKE MA) |
|---|
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 29, 2049 |
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 | $4,608.00 (+2.74%) | $287,800 (+11.33%) Land $93,800 Building $194,000 | $299,122 (-13.14%) |
| 2025 | $4,485.00 (+1.49%) | $258,500 (+5.81%) Land $85,200 Building $173,300 | $344,375 (+14.82%) |
| 2024 | $4,419.00 (+2.62%) | $244,300 (+10.69%) Land $85,200 Building $159,100 | $299,915 |
| 2023 | $4,306.00 | $220,700 Land $78,100 Building $142,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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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