25 Paulding Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 25 Paulding Rd, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,268 sqft · built 1958
Lot Size	0.348 acres (15,159 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (May 2001)
Tax Bill	$6,151 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Apr 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:17D-11250 B:43 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:17D-11250 B:43 L:0`
Alternative APNs	`LUDL M:17D B:11250 P:43` `6449`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,268 sqft Living Area
Gross Area	4,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,159 sqft (0.348 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	6449
Street Address	25 PAULDING RD
City	LUDLOW
State	MA
Zip	01056-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	11250
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1002
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town records · APN M:17D-11250 B:43 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance RIVER CITY MORTGAGE LLC
Jul 30, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 06, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Mar 04, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 24, 2001 · Amount on Record
Deed Sale	May 24, 2001 · Amount on Record
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Transaction Type	Mortgage
Record Updated	Sep 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024721-453
Date	Sep 13, 2022
Book Page	24721/453
Instrument	55140

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 01, 2047

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23851-1
Date	Apr 29, 2021
Book Page	23851/1
Instrument	28900

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23337-89
Date	Jul 30, 2020
Book Page	23337/89
Instrument	41065

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Aug 01, 2045

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Document Number	22312-60
Instrument Date	Aug 06, 2018
Transaction Type	Mortgage
Record Updated	Sep 04, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	25 PAULDING RD LUDLOW MA 010561431, LUDLOW, MA 01056-1431

Mortgage

Document Number	22312-60
Date	Aug 14, 2018
Book Page	022312/000060
Instrument	47919

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2038

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 PAULDING RD, LUDLOW, MA 01056-1431
Document Number	21613-312
Book / Page	021613 / 000312
Instrument Date	Mar 04, 2017
Transaction Type	Mortgage
Record Updated	Apr 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21613-312
Date	Mar 24, 2017
Book Page	021613/000312
Instrument	15459

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,151.00 (+3.73%)	$354,500 (+8.15%) Land $108,800 Building $245,700	$490,010 (+7.75%)
2024	$5,930.00 (+5.53%)	$327,800 (+13.82%) Land $108,600 Building $219,200	$454,765
2023	$5,619.00	$288,000 Land $95,300 Building $192,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104121, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2011, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 120 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
GoNetspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 35
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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