25 Willard Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 25 Willard Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,322 sqft · built 1954
Lot Size	0.386 acres (16,814 sqft)
Owner	2 Individual Names on Record
Last Sale	$105,000 (Nov 1994)
Tax Bill	$4,368 (2026)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12B-18300 B:20 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-18300 B:20 L:0`
Alternative APNs	`LUDL M:12B B:18300 P:20` `8723`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,322 sqft Living Area
Gross Area	3,199 sqft
Basement Area	820 sqft
Unfinished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,814 sqft (0.386 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	8723
Street Address	25 WILLARD AVE
City	LUDLOW
State	MA
Zip	01056-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	18300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2007
Census Tract	810412

Owner

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 Record
Mailing Address	25 WILLARD AVE, LUDLOW, MA 01056-2234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 1994 · Amount on Record
Deed Sale	Nov 29, 1994 · Amount on Record
Deed Document Number	1994111719
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	25 WILLARD AVE, LUDLOW, MA 01056-2234
Document Number	0000224224
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 WILLARD AVE LUDLOW MA 010562234, LUDLOW, MA 01056-2234

Mortgage

Document Number	0000224224
Date	Dec 9, 2020
Instrument	224224

Lender

Name	PREMIER SOURCE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 8, 2030

Tax Assessment & Valuation

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	$4,368.00 (+2.08%)	$272,800 (+10.62%) Land $99,700 Building $173,100	$297,824 (-17.74%)
2025	$4,279.00 (+3.21%)	$246,600 (+7.59%) Land $90,600 Building $156,000	$362,045 (+6.57%)
2024	$4,146.00 (+3.7%)	$229,200 (+11.86%) Land $90,500 Building $138,700	$339,720
2023	$3,998.00	$204,900 Land $82,900 Building $122,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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 265 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20