31 Armand St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 31 Armand St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,084 sqft · built 1955
Lot Size	0.283 acres (12,327 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Aug 2025)
Tax Bill	$4,341 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-00850 B:61 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-00850 B:61 L:0`
Alternative APNs	`LUDL M:27B B:850 P:61` `369`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	4,084 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,327 sqft (0.283 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	369
Street Address	31 ARMAND ST
City	LUDLOW
State	MA
Zip	01056-3106
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	850
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 · APN M:27B-00850 B:61 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	241 HOLYOKE ST, LUDLOW, MA 01056-1958
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 07, 2025 · Amount on Record
Deed Sale	Aug 07, 2025 · Amount on Record
Prior Sale	Aug 02, 2005 · Amount on Record
Deed Book / Page	25977 / 124
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 07, 2025
Property Address	31 ARMAND ST, LUDLOW, MA 01056-3106
Document Number	025977-124
Book / Page	25977 / 124
Instrument Date	Aug 07, 2025
Instrument	36560
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	241 HOLYOKE ST, LUDLOW, MA 01056-1958

Mortgage

Document Number	0000036561
Date	Aug 07, 2025
Instrument	36561

Lender

Name	ALDEN CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	4.99%
Type Change Date	Sep 01, 2030
Index	5-Year CMT

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,341.00 (+3.88%)	$250,200 (+8.31%) Land $83,300 Building $166,900	$343,235 (+11.68%)
2024	$4,179.00 (+6.25%)	$231,000 (+14.58%) Land $83,200 Building $147,800	$307,325
2023	$3,933.00	$201,600 Land $73,000 Building $128,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

Based on FCC filings for 287 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.