28 Davis St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 28 Davis St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,096 sqft · built 1958
Lot Size	0.245 acres (10,672 sqft)
Owner	Individual Name on Record
Tax Bill	$4,287 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:12D-04700 B:32 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12D-04700 B:32 L:0`
Alternative APNs	`LUDL M:12D B:4700 P:32` `2606`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	4,436 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,672 sqft (0.245 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2606
Street Address	28 DAVIS ST
City	LUDLOW
State	MA
Zip	01056-2603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4700
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1005
Census Tract	810403

Owner

Source: Hampden County and Ludlow Town records, as of July 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	28 DAVIS ST, LUDLOW, MA 01056-2603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY CU
May 4, 2023	Correction Deed
Jul 15, 2022	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY CU
May 10, 2022	Deed of Trust, Mortgage · Line of Credit PIONEER VALLEY CU
Apr 13, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2013
Deed Sale	Dec 31, 2013
Last Transfer Date	May 3, 2023
Transfer Doc	024993-554
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	28 DAVIS ST, LUDLOW, MA 01056-2603
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025148-239
Date	Sep 11, 2023
Book Page	25148/239
Instrument	42567

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

Interest

Rate Type	Adjustable Rate

May 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	LUDLOW MA
Recording Date	May 4, 2023
Property Address	28 DAVIS ST, LUDLOW, MA 01056-2603
Document Number	024993-554
Book / Page	24993 / 554
Instrument Date	May 3, 2023
Instrument	20218
Record Updated	May 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DAVIS ST, LUDLOW, MA 01056-2603

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	28 DAVIS ST, LUDLOW, MA 01056-2603
Transaction Type	Mortgage
Record Updated	Jul 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024639-417
Date	Jul 15, 2022
Book Page	24639/417
Instrument	42930

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2042

Interest

Rate Type	Adjustable Rate

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	28 DAVIS ST, LUDLOW, MA 01056-2603
Transaction Type	Mortgage
Record Updated	May 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024540-83
Date	May 10, 2022
Book Page	24540/83
Instrument	28523

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2042

Interest

Rate Type	Adjustable Rate

April 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 13, 2022
Property Address	28 DAVIS ST, LUDLOW, MA 01056-2603
Document Number	024499-152
Book / Page	24499 / 152
Instrument Date	Apr 12, 2022
Instrument	22601
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 DAVIS ST, LUDLOW, MA 01056-2603

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
2025	$4,287.00 (+3.63%)	$247,100 (+8.05%) Land $70,800 Building $176,300	$290,890 (+4.47%)
2024	$4,137.00 (+8.02%)	$228,700 (+16.51%) Land $70,700 Building $158,000	$278,445
2023	$3,830.00	$196,300 Land $58,800 Building $137,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 95% of the US · lower than 90% 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.

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 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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