Hampden County and Ludlow Town property record for 264 James St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,728 sqft · built 1985 |
| Lot Size | 1.03 acres (44,997 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $123,000 (Jul 1996) |
| Tax Bill | $5,339 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-07800 B:64 L:0 |
| Primary APN | M:031-07800 B:64 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 1,952 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 44,997 sqft (1.03 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 4505 |
|---|---|
| Street Address | 264 JAMES ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1506 |
| 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 |
264 James St is owned and occupied by two individuals who bought it in July 1996.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 264 JAMES ST, LUDLOW, MA 01056-1506 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 1996 · Amount on File |
| Deed Sale | Jul 31, 1996 · Amount on File |
| Deed Book / Page | 9576 / 60 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 264 James St was $5,339, up 3.4% from the year before.
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 | $5,339.00 (+3.43%) | $333,500 (+12.1%) Land $101,700 Building $231,800 | $383,286 (-5.36%) |
| 2025 | $5,162.00 (+2.02%) | $297,500 (+6.36%) Land $92,400 Building $205,100 | $404,985 (+1.57%) |
| 2024 | $5,060.00 (+5.86%) | $279,700 (+14.16%) Land $92,400 Building $187,300 | $398,715 |
| 2023 | $4,780.00 | $245,000 Land $76,800 Building $168,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 264 James St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
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.
Wildfire risk around 264 James 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 | 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures