Hampden County and Ludlow Town property record for 21 Harding Ave, Ludlow, MA 01056
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 3,570 sqft · built 1999 |
| Lot Size | 0.157 acres (6,840 sqft) |
| Owner | Company Name on File |
| Last Sale | $525,000 (Jan 2025) |
| Tax Bill | $11,098 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12C-06650 B:70 L:0 |
| Primary APN | M:12C-06650 B:70 L:0 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 3,570 sqft Total Area |
| Gross Area | 9,180 sqft |
| Basement Area | 3,570 sqft |
| Unfinished Basement | 3,570 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,840 sqft (0.157 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 3888 |
|---|---|
| Street Address | 21 HARDING AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2327 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Local Zoning Code | BUS A |
| Legal Block | 6650 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 810412 |
21 Harding Ave, a commercial property, is owned by a company that bought it in January 2025.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 57 STIVENS DR, LUDLOW, MA 01056-2463 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2025 · Amount on File |
| Deed Sale | Jan 31, 2025 · Amount on File |
| Deed Document Number | 20254845 |
| Prior Transfer Date | Jan 30, 2025 |
| Prior Transfer Doc | 0025746-23 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 21 Harding Ave was $11,098, down 1.8% 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 |
|---|---|---|
| 2026 | $11,098.00 (-1.85%) | $693,200 (+6.37%) Land $365,600 Building $327,600 |
| 2025 | $11,307.00 (-0.19%) | $651,700 (+4.07%) Land $332,400 Building $319,300 |
| 2024 | $11,328.00 (+1.99%) | $626,200 (+9.99%) Land $306,900 Building $319,300 |
| 2023 | $11,107.00 | $569,300 Land $279,000 Building $290,300 |
Assessed value is set for property tax purposes and is not a market price estimate.
FEMA maps place 21 Harding Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| 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 21 Harding Ave is low, with less than 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 193 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 |
May also be available: Verizon.
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