Hampden County and Ludlow Town property record for 280 James St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,450 sqft · built 1955 |
| Lot Size | 0.987 acres (42,994 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Aug 2009) |
| Tax Bill | $4,580 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-07800 B:63 L:0 |
| Primary APN | M:031-07800 B:63 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 3,546 sqft |
| Basement Area | 1,090 sqft |
| Unfinished Basement | 1,090 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 42,994 sqft (0.987 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 4504 |
|---|---|
| Street Address | 280 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 |
280 James St is owned and occupied by an individual who bought it in August 2009.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 280 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 | Name on Deed |
|---|---|
| Last Sale | Aug 6, 2009 · Amount on File |
| Deed Sale | Aug 6, 2009 · Amount on File |
| Prior Sale | Jul 14, 2009 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 280 JAMES ST, LUDLOW, MA 01056-1506 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22456-464 |
|---|---|
| Date | Nov 26, 2018 |
| Book Page | 22456/464 |
| Instrument | 70038 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 280 James St was $4,580, down 2.4% 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 | $4,580.00 (-2.45%) | $286,100 (+5.73%) Land $101,200 Building $184,900 | $309,631 (-10.7%) |
| 2025 | $4,695.00 (+3.16%) | $270,600 (+7.55%) Land $92,000 Building $178,600 | $346,750 (+11.59%) |
| 2024 | $4,551.00 (+8.69%) | $251,600 (+17.24%) Land $92,000 Building $159,600 | $310,745 |
| 2023 | $4,187.00 | $214,600 Land $76,500 Building $138,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 280 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 280 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
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