Hampden County and Ludlow Town property record for 235 James St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,462 sqft · built 1977 |
| Lot Size | 1.05 acres (45,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Aug 2026) |
| Tax Bill | $7,000 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-07800 B:61A L:0 |
| Primary APN | M:031-07800 B:61A L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,462 sqft Living Area |
| Gross Area | 8,484 sqft |
| Basement Area | 2,434 sqft |
| Unfinished Basement | 2,434 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 45,999 sqft (1.05 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4501 |
|---|---|
| Street Address | 235 JAMES ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 7800 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810414 |
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 | 235 JAMES ST, LUDLOW, MA 01056-1511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2026 · Amount on Record |
| Deed Sale | Aug 31, 2026 · Amount on Record |
| Prior Sale | Jul 26, 2011 · Amount on Record |
| Deed Document Number | 202642168 |
| Deed Book / Page | 26489 / 90 |
| Prior Transfer Date | Aug 20, 2026 |
| Prior Transfer Doc | 0000042168 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 31, 2026 |
| Property Address | 235 JAMES ST, LUDLOW, MA 01056-1511 |
| Document Number | 0000042168 |
| Book / Page | 26489 / 90 |
| Instrument Date | Aug 20, 2026 |
| Instrument | 202642168 |
| Transaction Type | Transfer |
| Record Updated | Sep 24, 2026 |
| 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 | Joint Tenants with Right of Survivorship |
| Address | 235 JAMES ST, LUDLOW, MA 01056-1511 |
| Date | Aug 31, 2026 |
|---|
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
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 | $7,000.00 (-3.62%) | $437,200 (+4.44%) Land $76,300 Building $360,900 | $628,992 (-12.79%) |
| 2025 | $7,263.00 (+12.19%) | $418,600 (+16.96%) Land $69,400 Building $349,200 | $721,240 (+38.79%) |
| 2024 | $6,474.00 (+1.76%) | $357,900 (+9.75%) Land $69,400 Building $288,500 | $519,650 |
| 2023 | $6,362.00 | $326,100 Land $57,700 Building $268,400 |
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 | 6 in force |
| Nearby Flood Claims | 4 (1984–2013) |
| Claims Outside the SFHA | 2 of 4 |
| Most Recent Claim | Jun 2013 · 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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