38 Goddu St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 38 Goddu St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,177 sqft · built 1987
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$219,900 (Sep 2019)
Tax Bill	$5,784 (2026)
Deeds & Mortgages	Dec 2021 Refinance Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12A-06150 B:32C L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12A-06150 B:32C L:0`
Alternative APNs	`LUDL M:12A B:6150 P:32C` `3691`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,177 sqft Living Area
Gross Area	3,039 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
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	3691
Street Address	38 GODDU ST
City	LUDLOW
State	MA
Zip	01056-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	6150
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1021
Census Tract	810403

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	Individual Name on Record
Mailing Address	38 GODDU ST, LUDLOW, MA 01056-2613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP
Sep 4, 2019	Quit Claim Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Mar 20, 2009 · Amount on Record
Prior Transfer Date	Aug 30, 2019
Prior Transfer Doc	22837-276
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	38 GODDU ST, LUDLOW, MA 01056-2613
Transaction Type	Mortgage
Record Updated	Jan 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024330-296
Date	Dec 29, 2021
Book Page	24330/296
Instrument	92874

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 4, 2019
Property Address	38 GODDU ST, LUDLOW, MA 01056-2613
Document Number	22837-276
Book / Page	022837 / 000276
Instrument Date	Aug 30, 2019
Instrument	50525
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,022.54
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MONSKA DR EASTHAMPTON MA 010272716, EASTHAMPTON, MA 01027-2716

Mortgage

Document Number	22837-279
Date	Sep 4, 2019
Book Page	022837/000279
Instrument	50526

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

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	$5,784.00 (+3.86%)	$361,300 (+12.55%) Land $73,700 Building $287,600	$339,368 (-14.04%)
2025	$5,569.00 (+2.79%)	$321,000 (+7.18%) Land $67,000 Building $254,000	$394,820 (+24.58%)
2024	$5,418.00 (+4.27%)	$299,500 (+12.47%) Land $67,000 Building $232,500	$316,920
2023	$5,196.00	$266,300 Land $55,700 Building $210,600

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 88% 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: Spectrum.

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