27 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 27 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,520 sqft · built 1968
Lot Size	0.365 acres (15,899 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (May 2015)
Tax Bill	$5,876 (2026)
Deeds & Mortgages	Jun 2021 Line of Credit Apr 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:135 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:135 L:0`
Alternative APNs	`LUDL M:27A B:525 P:135` `221`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,520 sqft Living Area
Gross Area	5,232 sqft
Basement Area	1,520 sqft
Unfinished Basement	1,520 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,899 sqft (0.365 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	221
Street Address	27 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1014
Census Tract	810404

Owner

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	Individual Name on Record
Mailing Address	27 AMERICO ST, LUDLOW, MA 01056-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2021	Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2015 · Amount on Record
Deed Sale	May 15, 2015 · Amount on Record
Prior Sale	Feb 27, 2015 · Amount on Record
Deed Book / Page	20705 / 168
Transfer Doc	020705-168
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	27 AMERICO ST, LUDLOW, MA 01056-3102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023954-500
Date	Jun 22, 2021
Book Page	23954/500
Instrument	42819

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	27 AMERICO ST, LUDLOW, MA 01056-3102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023849-455
Date	Apr 28, 2021
Book Page	23849/455
Instrument	28726

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

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	$5,876.00 (+0.41%)	$367,000 (+8.81%) Land $94,600 Building $272,400	$382,706 (-3.51%)
2025	$5,852.00 (+5.44%)	$337,300 (+9.94%) Land $86,000 Building $251,300	$396,625 (+4.82%)
2024	$5,550.00 (+3.53%)	$306,800 (+11.64%) Land $85,900 Building $220,900	$378,385
2023	$5,361.00	$274,800 Land $75,400 Building $199,400

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 · 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

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	None beyond 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 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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