25 Crest St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 25 Crest St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,637 sqft · built 1949
Lot Size	0.606 acres (26,397 sqft)
Owner	2 Individual Names on File
Last Sale	$402,500 (Jul 2026)
Tax Bill	$5,130 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:27A-04500 B:60 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-04500 B:60 L:0`
Alternative APNs	`LUDL M:27A B:4500 P:60` `2540`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,637 sqft Living Area
Gross Area	3,910 sqft
Basement Area	964 sqft
Unfinished Basement	964 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,397 sqft (0.606 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2540
Street Address	25 CREST ST
City	LUDLOW
State	MA
Zip	01056-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1017
Census Tract	810404

Owner

25 Crest St is owned by two individuals who bought it in July 2026.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	144 BOOTH ST, LUDLOW, MA 01056-1171
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Quit Claim Deed, Transfer · Conventional Mortgage FREEDOM CREDIT UNION
Jun 7, 2021	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2026 · Amount on File
Deed Sale	Jul 14, 2026 · Amount on File
Prior Sale	Jun 29, 1995 · Amount on File
Deed Document Number	202632752
Deed Book / Page	26416 / 174
Prior Transfer Date	Jul 13, 2026
Prior Transfer Doc	0000032752
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 14, 2026
Property Address	25 CREST ST, LUDLOW, MA 01056-3730
Document Number	0000032752
Book / Page	26416 / 174
Instrument Date	Jul 13, 2026
Instrument	202632752
Transaction Type	Transfer
Record Updated	Aug 5, 2026

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	144 BOOTH ST, LUDLOW, MA 01056-1171
Investor	Possibly a Property Investor

Mortgage

Date	Jul 14, 2026

Lender

Name	FREEDOM CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 CREST ST, LUDLOW, MA 01056-3730
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023925-477
Date	Jun 7, 2021
Book Page	23925/477
Instrument	38864

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 25 Crest St was $5,130, down 2.7% from the year before.

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	$5,130.00 (-2.68%)	$320,400 (+5.46%) Land $102,000 Building $218,400	$350,909 (-15.34%)
2025	$5,271.00 (+3.15%)	$303,800 (+7.54%) Land $92,800 Building $211,000	$414,485 (+3.41%)
2024	$5,110.00 (+5.82%)	$282,500 (+14.14%) Land $93,900 Building $188,600	$400,805
2023	$4,829.00	$247,500 Land $82,400 Building $165,100

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

Flood

FEMA maps place 25 Crest St 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

Wildfire risk around 25 Crest St 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.

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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