21 Ronald St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 21 Ronald St, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1958
Lot Size	0.233 acres (10,149 sqft)
Owner	Individual Name on File
Last Sale	$50,000 (Oct 2025)
Tax Bill	$5,120 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:12A-13000 B:83 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12A-13000 B:83 L:0`
Alternative APNs	`LUDL M:12A B:13000 P:83` `7179`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	988 sqft Living Area
Gross Area	2,964 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,149 sqft (0.233 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	7179
Street Address	21 RONALD ST
City	LUDLOW
State	MA
Zip	01056-2622
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	13000
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1003
Census Tract	810403

Owner

Source: Hampden County and Ludlow Town records · APN M:12A-13000 B:83 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	21 RONALD ST, LUDLOW, MA 01056-2622
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Quit Claim Deed, Transfer TEXANA BANK NA
Jun 19, 2020	Quit Claim Deed, Transfer · VA Mortgage HARBORONE MORTGAGE
Nov 09, 2018	Personal Representative Deed, Transfer · Conventional with PMI CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 31, 2025 · Amount on Record
Deed Sale	Oct 31, 2025 · Amount on Record
Prior Sale	Jun 19, 2020 · Amount on Record
Deed Book / Page	26094 / 488
Prior Transfer Date	Oct 27, 2025
Prior Transfer Doc	026094-488
Record Updated	Sep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 31, 2025
Property Address	21 RONALD ST, LUDLOW, MA 01056-2622
Document Number	026094-488
Book / Page	26094 / 488
Instrument Date	Oct 27, 2025
Instrument	52509
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	VANTAGE POINT TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 RONALD ST, LUDLOW, MA 01056-2622

Mortgage

Document Number	0000052510
Date	Oct 31, 2025
Instrument	52510

Lender

Name	TEXANA BANK NA

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 19, 2020
Property Address	21 RONALD ST, LUDLOW, MA 01056-2622
Document Number	23269-403
Book / Page	23269 / 403
Instrument Date	Apr 08, 2020
Instrument	32132
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 MARY DAVID RD # B, B, YARMOUTH PORT, MA 02675-2444

Mortgage

Document Number	32133
Date	Jun 19, 2020
Instrument	32133

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded

November 2018: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 09, 2018
Property Address	21 RONALD ST, LUDLOW, MA 01056-2622
Document Number	22440-532
Book / Page	022440 / 000532
Instrument Date	Nov 06, 2018
Instrument	67543
Transaction Type	Transfer
Record Updated	Nov 28, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$671.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	252 WESTERLY CIR LUDLOW MA 010561633, LUDLOW, MA 01056-1633

Mortgage

Document Number	22440-535
Date	Nov 09, 2018
Book Page	022440/000535
Instrument	67544

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 08, 2048

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,120.00 (+5.61%)	$295,100 (+10.11%) Land $70,400 Building $224,700	$302,955 (+1.85%)
2024	$4,848.00 (+8.41%)	$268,000 (+16.93%) Land $70,400 Building $197,600	$297,445
2023	$4,472.00	$229,200 Land $58,500 Building $170,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 2% of the US · above 4% of Massachusetts
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 265 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
GoNetspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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