Hampden County and Ludlow Town property record for 278 Sewall St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,432 sqft · built 1960 |
| Lot Size | 0.321 acres (13,983 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Jul 2014) |
| Tax Bill | $4,953 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Sep 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15A-13600 B:2 L:1 |
| Primary APN | M:15A-13600 B:2 L:1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,432 sqft Living Area |
| Gross Area | 3,696 sqft |
| Basement Area | 1,432 sqft |
| Unfinished Basement | 1,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,983 sqft (0.321 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 7286 |
|---|---|
| Street Address | 278 SEWALL ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BUS A |
| Legal Block | 13600 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 810404 |
278 Sewall St is owned and occupied by two individuals who bought it in July 2014.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 278 SEWALL ST, LUDLOW, MA 01056-2710 |
| 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.
| Date | Document |
|---|---|
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Sep 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2014 · Amount on File |
| Deed Sale | Jul 31, 2014 · Amount on File |
| Prior Sale | Feb 28, 1997 · Amount on File |
| Deed Book / Page | 20372 / 219 |
| Transfer Doc | 020372-219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 278 SEWALL ST, LUDLOW, MA 01056-2710 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024132-177 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 24132/177 |
| Instrument | 66207 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 278 SEWALL ST, LUDLOW, MA 01056-2710 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24132-177 |
|---|---|
| Date | Sep 20, 2021 |
| Book Page | 24132/177 |
| Instrument | 66207 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2041 |
The 2026 property tax bill for 278 Sewall St was $4,953, up 0.2% 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 | $4,953.00 (+0.2%) | $309,400 (+8.6%) Land $84,600 Building $224,800 | $311,470 (-3.11%) |
| 2025 | $4,943.00 (+5.17%) | $284,900 (+9.66%) Land $76,900 Building $208,000 | $321,480 (+8.92%) |
| 2024 | $4,700.00 (+5.57%) | $259,800 (+13.85%) Land $76,700 Building $183,100 | $295,165 |
| 2023 | $4,452.00 | $228,200 Land $67,300 Building $160,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 278 Sewall 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 risk around 278 Sewall St is low, with less than 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 93% of the US · lower than 83% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 367 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 |
May also be available: Verizon.
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