Hampden County and Ludlow Town property record for 39 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,304 sqft · built 1935 |
| Lot Size | 0.379 acres (16,509 sqft) |
| Owner | Individual Name on File |
| Last Sale | $266,000 (Oct 2023) |
| Tax Bill | $4,348 (2026) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage May 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:181 L:0 |
| Primary APN | M:15D-12300 B:181 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,304 sqft Living Area |
| Gross Area | 3,599 sqft |
| Basement Area | 888 sqft |
| Unfinished Basement | 888 sqft |
| Year Built | Built 1935 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 16,509 sqft (0.379 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7011 |
|---|---|
| Street Address | 39 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 810404 |
39 Ray St is owned and occupied by an individual who bought it in October 2023.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 39 RAY ST, LUDLOW, MA 01056-2921 |
| 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.
| Date | Document |
|---|---|
| Oct 24, 2023 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage LUSO FCU |
| May 10, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 24, 2023 · Amount on File |
| Deed Sale | Oct 24, 2023 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Oct 24, 2023 |
| Property Address | 39 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 025202-207 |
| Book / Page | 25202 / 207 |
| Instrument Date | Oct 24, 2023 |
| Instrument | 50517 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 0000050518 |
|---|---|
| Date | Oct 24, 2023 |
| Instrument | 50518 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 10, 2019 |
| Property Address | 39 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 22659-101 |
| Book / Page | 022659 / 000101 |
| Instrument Date | Apr 18, 2019 |
| Instrument | 24064 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 199 DUNHAMTOWN PALMER RD BRIMFIELD MA 010102024, BRIMFIELD, MA 01010-2024 |
The 2026 property tax bill for 39 Ray St was $4,348, down 2.4% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,348.00 (-2.45%) | $271,600 (+5.72%) Land $95,100 Building $176,500 | $283,325 (-8.91%) |
| 2025 | $4,457.00 (+2.62%) | $256,900 (+7%) Land $86,500 Building $170,400 | $311,030 (+25.06%) |
| 2024 | $4,343.00 (+6.55%) | $240,100 (+14.94%) Land $86,300 Building $153,800 | $248,710 |
| 2023 | $4,076.00 | $208,900 Land $75,800 Building $133,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39 Ray St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 risk around 39 Ray 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
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