Hampden County and Ludlow Town property record for 22 Circuit Ave, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,224 sqft · built 1964 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $4,121 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:030-04050 B:22 L:0 |
| Primary APN | M:030-04050 B:22 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,224 sqft Living Area |
| Gross Area | 2,754 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Heating Fuel | Electric |
|---|
| Account Number | 2353 |
|---|---|
| Street Address | 22 CIRCUIT AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3204 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 4050 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 810404 |
22 Circuit Ave is owner-occupied and held in a trust since May 2023.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 22 CIRCUIT AVE, LUDLOW, MA 01056-3204 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2026 | Correction Deed · Line of Credit COUNTRY BANK |
| May 18, 2023 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 18, 2023 |
| Transfer Doc | 025010-575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Sep 4, 2026 |
| Property Address | 22 CIRCUIT AVE, LUDLOW, MA 01056-3204 |
| Document Number | 0000043254 |
| Book / Page | 26497 / 73 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 202643254 |
| Record Updated | Sep 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 CIRCUIT AVE, LUDLOW, MA 01056-3204 |
| Date | Sep 4, 2026 |
|---|
| Name | COUNTRY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 18, 2023 |
| Property Address | 22 CIRCUIT AVE, LUDLOW, MA 01056-3204 |
| Document Number | 025010-575 |
| Book / Page | 25010 / 575 |
| Instrument Date | May 18, 2023 |
| Instrument | 22686 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 CIRCUIT AVE, LUDLOW, MA 01056-3204 |
The 2026 property tax bill for 22 Circuit Ave was $4,121, down 2.3% 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 | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,121.00 (-2.3%) | $257,400 (+5.88%) Land $93,600 Building $163,800 | $269,323 (-20.1%) |
| 2025 | $4,218.00 (+3.48%) | $243,100 (+7.9%) Land $85,100 Building $158,000 | $337,060 (+37.89%) |
| 2024 | $4,076.00 (+4.3%) | $225,300 (+12.48%) Land $85,100 Building $140,200 | $244,435 |
| 2023 | $3,908.00 | $200,300 Land $77,900 Building $122,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 22 Circuit Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 risk around 22 Circuit Ave is low, with 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 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.
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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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