Worcester County and Worcester City property record for 21 Ludlow St, Worcester, MA 01603
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,470 sqft · built 2007 |
| Lot Size | 0.201 acres (8,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $418,000 (Jun 2023) |
| Tax Bill | $5,416 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage May 2022 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-050-00007 |
| Primary APN | 15-050-00007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,470 sqft Living Area |
| Gross Area | 2,704 sqft |
| 1st Floor Area | 840 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,750 sqft (0.201 acres) |
| Deck Area | Deck Area |
| Heating System | Hot Water |
|---|
| Account Number | 15-050-00007 |
|---|---|
| Street Address | 21 LUDLOW ST |
| City | WORCESTER |
| State | MA |
| Zip | 01603-1119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-7 |
| Legal Block | 50 |
| Legal Lot Number | 7 |
| Jurisdiction | WORCESTER MA |
| Township / Civil Division | WORCESTER |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 733102 |
Source: Worcester County and Worcester City 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 26, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC |
| May 12, 2022 | Quit Claim Deed, Transfer |
| Dec 2, 2021 | Foreclosure |
| Apr 12, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Aug 28, 2017 | Personal Representative Deed, Transfer FIDELITY COOPERATIVE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2023 · Amount on Record |
| Deed Sale | Jun 26, 2023 · Amount on Record |
| Prior Sale | May 12, 2022 · Amount on Record |
| Deed Document Number | 202350250 |
| Deed Book / Page | 69302 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Jun 26, 2023 |
| Property Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 00069302-1 |
| Book / Page | 69302 / 1 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 50250 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 0000050251 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 50251 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | May 12, 2022 |
| Property Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 0067582-29 |
| Book / Page | 67582 / 29 |
| Instrument Date | May 4, 2022 |
| Instrument | 52041 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 7354, WORCESTER, MA 01605-0354 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Dec 2, 2021 |
| Property Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 066657-365 |
| Book / Page | 66657 / 365 |
| Instrument Date | Dec 1, 2021 |
| Instrument | 168462 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 17, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5600 GRANITE PKWY # VII, VII, PLANO, TX 75024-4126 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Apr 12, 2018 |
| Property Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 58659-193 |
| Book / Page | 058659 / 000193 |
| Instrument Date | Mar 30, 2018 |
| Instrument | 34304 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 LUDLOW ST WORCESTER MA 016031119, WORCESTER, MA 01603-1119 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | WORCESTER MA |
| Recording Date | Aug 28, 2017 |
| Property Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 57646-384 |
| Book / Page | 57646 / 384 |
| Instrument | 94082 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $41.09 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 LUDLOW ST, WORCESTER, MA 01603-1119 |
| Document Number | 576460387 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | 57646/0387 |
| Name | FIDELITY COOPERATIVE BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 28, 2047 |
Source: Worcester County and Worcester City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Worcester County |
| Municipality | Worcester City |
| Unified School District | Worcester School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,416.00 (+1.33%) | $407,800 (+0.64%) Land $104,200 Building $303,600 | $449,599 (-2.24%) |
| 2025 | $5,345.00 (+3.77%) | $405,200 (+12.81%) Land $98,100 Building $307,100 | $459,895 (+5.77%) |
| 2024 | $434,815 | ||
| 2023 | $5,151.00 | $359,200 Land $85,300 Building $273,900 |
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 November 30, 2025 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 59 units insured incl. 53 condo units |
| Nearby Flood Claims | 7 (1978–2024) |
| Claims Outside the SFHA | 1 of 7 |
| Most Recent Claim | Mar 2024 · other causes |
| Claims by Event |
|
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 | 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 | WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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 296 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures