Hampden County and Ludlow Town property record for 24 Higher St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 955 sqft · built 1956 |
| Lot Size | 0.505 acres (21,998 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $300,000 (Mar 2025) |
| Tax Bill | $3,975 (2026) |
| Deeds & Mortgages | May 2021 Refinance May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:16D-06900 B:63 L:0 |
| Primary APN | M:16D-06900 B:63 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 955 sqft Living Area |
| Gross Area | 3,581 sqft |
| Basement Area | 955 sqft |
| Unfinished Basement | 955 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 21,998 sqft (0.505 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4003 |
|---|---|
| Street Address | 24 HIGHER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 6900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2013 |
| 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 | 26 MCINTOSH DR, WILBRAHAM, MA 01095-2654 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERISAVE MORTGAGE CORP |
| May 26, 2020 | Deed of Trust, Mortgage · Balloon Mortgage UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Aug 19, 2020 | Deed of Trust, Mortgage · Balloon Mortgage UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2025 · Amount on Record |
| Deed Sale | Mar 31, 2025 · Amount on Record |
| Prior Sale | Nov 22, 2013 · Amount on Record |
| Deed Document Number | 202513940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 24 HIGHER ST, LUDLOW, MA 01056-2525 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23886-521 |
|---|---|
| Date | May 17, 2021 |
| Book Page | 23886/521 |
| Instrument | 33688 |
| Name | AMERISAVE MORTGAGE CORP |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 24 HIGHER ST, LUDLOW, MA 01056-2525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23224-197 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 23224/197 |
| Instrument | 26231 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 24 HIGHER ST, LUDLOW, MA 01056-2525 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23371-339 |
|---|---|
| Date | Aug 19, 2020 |
| Book Page | 23371/339 |
| Instrument | 45568 |
| Name | UMASS/FIVE COLLEGE FEDERAL CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Sep 1, 2025 |
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 | $3,975.00 (+0.1%) | $248,300 (+8.48%) Land $85,400 Building $162,900 | $286,731 (+1.05%) |
| 2025 | $3,971.00 (+2.9%) | $228,900 (+7.31%) Land $77,600 Building $151,300 | $283,765 (+12.8%) |
| 2024 | $3,859.00 (+8.73%) | $213,300 (+17.26%) Land $78,200 Building $135,100 | $251,560 |
| 2023 | $3,549.00 | $181,900 Land $65,000 Building $116,900 |
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 | 2 in force |
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 | 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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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