321 Center St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 321 Center St, Ludlow, MA 01056

Property Summary

Property Type	Hotel
Details	38,671 sqft · built 2003
Lot Size	5.7 acres (248,292 sqft)
Owner	Company Name on File
Last Sale	$875,000 (May 2002)
Tax Bill	$68,139 (2026)
Deeds & Mortgages	May 2022 Refinance Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:12C-03550 B:169 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12C-03550 B:169 L:0`
Alternative APNs	`LUDL M:12C B:3550 P:169` `1811`

Interior

Total Rooms	14 Rooms
Stories	3 Stories
Building Area	38,671 sqft Total Area
Gross Area	44,497 sqft
Basement Area	3,310 sqft
Unfinished Basement	3,310 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Asphalt
Lot Area	248,292 sqft (5.7 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1811
Street Address	321 CENTER ST
City	LUDLOW
State	MA
Zip	01056-2705
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Local Zoning Code	BUS A
Legal Block	3550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1000
Census Tract	810403

Owner

321 Center St, a commercial property, is owned by a company that bought it in May 2002.

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

Owner of Record	Company Name on File
Mailing Address	237 RUSSELL ST, HADLEY, MA 01035-9520
Owner Type	Company
Vesting	Company

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 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED STATES SMALL BUSINESS ADMIN
Dec 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2002 · Amount on File
Deed Sale	May 1, 2002 · Amount on File
Deed Book / Page	12303 / 329
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	321 CENTER ST, LUDLOW, MA 01056-2705
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024566-215
Date	May 27, 2022
Book Page	24566/215
Instrument	32217

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	321 CENTER ST, LUDLOW, MA 01056-2705
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024290-537
Date	Dec 8, 2021
Book Page	24290/537
Instrument	87204

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 321 Center St was $68,139, down 1.7% 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
2026	$68,139.00 (-1.69%)	$4,256,000 (+6.54%) Land $578,200 Building $3,677,800
2025	$69,310.00 (-3.46%)	$3,994,800 (+0.66%) Land $533,300 Building $3,461,500
2024	$71,796.00 (+0.87%)	$3,968,800 (+8.78%) Land $513,200 Building $3,455,600
2023	$71,178.00	$3,648,300 Land $466,600 Building $3,181,700

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 321 Center St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
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 321 Center 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	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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