3 Rogers Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 3 Rogers Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 915 sqft · built 1954
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on File
Last Sale	$74,000 (Jul 2012)
Tax Bill	$3,157 (2026)
Deeds & Mortgages	May 2026 Line of Credit Dec 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:12D-12950 B:12 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12D-12950 B:12 L:0`
Alternative APNs	`LUDL M:12D B:12950 P:12` `7163`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	915 sqft Living Area
Gross Area	1,827 sqft
Basement Area	660 sqft
Unfinished Basement	660 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7163
Street Address	3 ROGERS AVE
City	LUDLOW
State	MA
Zip	01056-2137
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	12950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1005
Census Tract	810403

Owner

3 Rogers Ave is owned and occupied by an individual who bought it in July 2012.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
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.

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · Line of Credit 360 FEDERAL CREDIT UNION
Dec 19, 2023	Deed of Trust, Mortgage · Line of Credit 360 FCU
Feb 2, 2022	Deed of Trust, Mortgage · Line of Credit 360 FCU
May 15, 2018	Deed of Trust, Mortgage AMERICAN NGBD MTG ACC
Aug 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FLORIDA CAPITAL BANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2012 · Amount on File
Deed Sale	Jul 13, 2012 · Amount on File
Deed Document Number	20124
Deed Book / Page	19346 / 125
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	May 8, 2026
Property Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
Document Number	0000020640
Book / Page	26325 / 533
Instrument Date	Apr 30, 2026
Instrument	202620640
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 ROGERS AVE, LUDLOW, MA 01056-2137

Mortgage

Document Number	026325-533,
Date	May 8, 2026
Book Page	26325/533
Instrument	202620640

Lender

Name	360 FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025265-350
Date	Dec 19, 2023
Book Page	25265/350
Instrument	60313

Lender

Name	360 FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
Transaction Type	Mortgage
Record Updated	Feb 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024386-547
Date	Feb 2, 2022
Book Page	24386/547
Instrument	7015

Lender

Name	360 FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22172-589
Date	May 15, 2018
Book Page	22172/589
Instrument	26298

Lender

Name	AMERICAN NGBD MTG ACC

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	3 ROGERS AVE, LUDLOW, MA 01056-2137
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23365-598
Date	Aug 14, 2020
Book Page	23365/598
Instrument	44808

Lender

Name	FLORIDA CAPITAL BANK MORTGAGE
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 3 Rogers Ave was $3,157, up 3.1% from the year before.

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	$3,157.00 (+3.14%)	$197,200 (+11.79%) Land $77,600 Building $119,600	$235,287 (-3.97%)
2025	$3,061.00 (+3.24%)	$176,400 (+7.63%) Land $70,600 Building $105,800	$245,005 (+4.29%)
2024	$2,965.00 (+7.04%)	$163,900 (+15.42%) Land $70,500 Building $93,400	$234,935
2023	$2,770.00	$142,000 Land $61,900 Building $80,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Rogers Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3 Rogers Ave 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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.

Nearby Properties on Rogers Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures