39 Andrew St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 39 Andrew St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,104 sqft · built 1951
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on File
Last Sale	$227,000 (May 2020)
Tax Bill	$5,362 (2026)
Deeds & Mortgages	May 2020 Sale Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:11A-00650 B:9 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11A-00650 B:9 L:0`
Alternative APNs	`LUDL M:11A B:650 P:9` `323`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	2,499 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,996 sqft (0.482 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	323
Street Address	39 ANDREW ST
City	LUDLOW
State	MA
Zip	01056-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2007
Census Tract	810412

Owner

39 Andrew St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	39 ANDREW ST, LUDLOW, MA 01056-1813
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 15, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 23, 2019	Quit Claim Deed, Transfer KEVIN KEITH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Oct 23, 2019 · Amount on File
Prior Transfer Date	May 14, 2020
Prior Transfer Doc	23211-22
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	May 15, 2020
Property Address	39 ANDREW ST, LUDLOW, MA 01056-1813
Document Number	23211-22
Book / Page	023211 / 000022
Instrument Date	May 14, 2020
Instrument	24609
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$1,056.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 HRANBY HTS GRANBY MA 01033, GRANBY, MA 01033

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 23, 2019
Property Address	39 ANDREW ST, LUDLOW, MA 01056-1813
Document Number	22914-98
Book / Page	022914 / 000098
Instrument Date	Oct 22, 2019
Instrument	61601
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$316.20
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 SANFORD ST EAST LONGMEADOW MA 010282620, EAST LONGMEADOW, MA 01028-2620

Mortgage

Document Number	22914-101
Date	Oct 23, 2019
Book Page	022914/000101
Instrument	61602

Lender

Name	KEVIN KEITH

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 39 Andrew St was $5,362, up 1.3% 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	$5,362.00 (+1.3%)	$334,900 (+9.77%) Land $102,800 Building $232,100	$378,591 (+27.73%)
2025	$5,293.00 (+2.42%)	$305,100 (+6.79%) Land $93,500 Building $211,600	$296,400 (-9.75%)
2024	$5,168.00 (+4.49%)	$285,700 (+12.7%) Land $93,800 Building $191,900	$328,415
2023	$4,946.00	$253,500 Land $85,900 Building $167,600

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

Flood

FEMA maps place 39 Andrew 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 39 Andrew 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	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 324 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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