Hampden County and Ludlow Town property record for 21 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,579 sqft · built 1951 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $160,000 (Dec 2016) |
| Tax Bill | $4,833 (2026) |
| Deeds & Mortgages | Dec 2021 Refinance Jul 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:182 L:0 |
| Primary APN | M:15D-12300 B:182 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,579 sqft Living Area |
| Gross Area | 2,914 sqft |
| Basement Area | 1,006 sqft |
| Unfinished Basement | 1,006 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,021 sqft (0.253 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7012 |
|---|---|
| Street Address | 21 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 810404 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 RAY ST, LUDLOW, MA 01056-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance GREATER SPRINGFIELD CREDIT UNION |
| Jul 31, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance GREATER SPRINGFIELD CREDIT UNION |
| Nov 27, 2019 | Quit Claim Deed, Transfer · Stand-Alone Refinance MORTGAGE NETWORK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2016 · Amount on Record |
| Deed Sale | Dec 29, 2016 · Amount on Record |
| Deed Book / Page | 21515 / 122 |
| Last Transfer Date | Nov 27, 2019 |
| Transfer Doc | 22977-262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 RAY ST, LUDLOW, MA 01056-2921 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 024327-210 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 24327/210 |
| Instrument | 92493 |
| Name | GREATER SPRINGFIELD CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 109 Months |
| Due | Jan 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 RAY ST, LUDLOW, MA 01056-2921 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23339-222 |
|---|---|
| Date | Jul 31, 2020 |
| Book Page | 23339/222 |
| Instrument | 41407 |
| Name | GREATER SPRINGFIELD CREDIT UNION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2030 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Nov 27, 2019 |
| Property Address | 21 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 22977-262 |
| Book / Page | 22977 / 262 |
| Instrument Date | Nov 27, 2019 |
| Instrument | 70473 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 21 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 22977-264 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 22977/264 |
| Instrument | 70474 |
| Name | MORTGAGE NETWORK INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2034 |
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 | $4,833.00 (-2.78%) | $301,900 (+5.38%) Land $90,400 Building $211,500 | $331,770 (+5.64%) |
| 2025 | $4,971.00 (+3.5%) | $286,500 (+7.91%) Land $82,200 Building $204,300 | $314,070 (+9.14%) |
| 2024 | $4,803.00 (+5.84%) | $265,500 (+14.14%) Land $82,200 Building $183,300 | $287,755 |
| 2023 | $4,538.00 | $232,600 Land $72,100 Building $160,500 |
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 | 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 | 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 278 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 |
| Verizon Fixed Wireless | 300 / 20 |
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