37 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 37 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,778 sqft · built 1973
Lot Size	0.362 acres (15,769 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,000 (Oct 2018)
Tax Bill	$7,097 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:175 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:175 L:0`
Alternative APNs	`LUDL M:27A B:525 P:175` `224`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
Gross Area	3,139 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2015
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	15,769 sqft (0.362 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	224
Street Address	37 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
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, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	37 AMERICO ST, LUDLOW, MA 01056-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 31, 2018	Quit Claim Deed, Transfer WESTFIELD BANK
Oct 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Deed Book / Page	22428 / 175
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	37 AMERICO ST, LUDLOW, MA 01056-3102
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026172-257
Date	Dec 31, 2025
Book Page	26172/257
Instrument	63275

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2054

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 31, 2018
Property Address	37 AMERICO ST, LUDLOW, MA 01056-3102
Document Number	22428-175
Book / Page	22428 / 175
Instrument	65591
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.22
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	224280177
Date	Oct 31, 2018
Instrument	22428/0177

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Oct 31, 2048

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 31, 2018
Property Address	37 AMERICO ST, LUDLOW, MA 01056-3102
Document Number	22427-579
Book / Page	022427 / 000579
Instrument Date	Sep 17, 2018
Instrument	65547
Transaction Type	Transfer
Record Updated	Nov 22, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	37 AMERICO ST LUDLOW MA 010563102, LUDLOW, MA 01056-3102

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
2026	$7,097.00 (+2.29%)	$443,300 (+10.85%) Land $94,500 Building $348,800	$414,934 (-6.63%)
2025	$6,938.00 (+4.58%)	$399,900 (+9.05%) Land $85,900 Building $314,000	$444,410 (+5.03%)
2024	$6,634.00 (+2.63%)	$366,700 (+10.69%) Land $85,800 Building $280,900	$423,130
2023	$6,464.00	$331,300 Land $75,300 Building $256,000

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 · 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	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · 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

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 287 locations within half a mile, as of December 31, 2025

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

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

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