214 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 214 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,794 sqft · built 1976
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Apr 2024)
Tax Bill	$5,456 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit May 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:201 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:201 L:0`
Alternative APNs	`LUDL M:27A B:525 P:201` `244`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,794 sqft Living Area
Gross Area	2,582 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	21,344 sqft (0.49 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	244
Street Address	214 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3122
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1015
Census Tract	810404

Owner

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	Individual Name on Record
Mailing Address	214 AMERICO ST, LUDLOW, MA 01056-3122
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 2, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 16, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Nov 29, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SILVER HILL FUNDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2024 · Amount on Record
Deed Sale	Apr 16, 2024 · Amount on Record
Prior Sale	Nov 29, 2023 · Amount on Record
Deed Book / Page	25383 / 488
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	214 AMERICO ST, LUDLOW, MA 01056-3122
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024034-569
Date	Aug 2, 2021
Book Page	24034/569
Instrument	53656

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2046

Interest

Rate Type	Adjustable Rate

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	214 AMERICO ST, LUDLOW, MA 01056-3122
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024990-430
Date	May 2, 2023
Book Page	24990/430
Instrument	19741

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 16, 2024
Property Address	214 AMERICO ST, LUDLOW, MA 01056-3122
Document Number	025383-488
Book / Page	25383 / 488
Instrument Date	Apr 16, 2024
Instrument	15869
Transaction Type	Transfer
Record Updated	May 3, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	214 AMERICO ST, LUDLOW, MA 01056-3122

Mortgage

Document Number	0000015870
Date	Apr 16, 2024
Instrument	15870

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 29, 2023
Property Address	214 AMERICO ST, LUDLOW, MA 01056-3122
Document Number	025243-311
Book / Page	25243 / 311
Instrument Date	Nov 28, 2023
Instrument	56758
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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	47 WATERMAN RD, AUBURN, MA 01501-1847

Mortgage

Document Number	0000056759
Date	Nov 29, 2023
Instrument	56759

Lender

Name	SILVER HILL FUNDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,456.00 (+2.44%)	$340,800 (+11.01%) Land $98,500 Building $242,300	$357,749 (+2.14%)
2025	$5,326.00 (+2.4%)	$307,000 (+6.78%) Land $89,600 Building $217,400	$350,265 (+0.22%)
2024	$5,201.00 (+3.05%)	$287,500 (+11.13%) Land $90,000 Building $197,500	$349,505
2023	$5,047.00	$258,700 Land $79,000 Building $179,700

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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