4 Goddu St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 4 Goddu St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,218 sqft · built 2008
Lot Size	0.158 acres (6,882 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Aug 2022)
Tax Bill	$4,235 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:12A-06150 B:28 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12A-06150 B:28 L:0`
Alternative APNs	`LUDL M:12A B:6150 P:28` `3685`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,218 sqft Living Area
Gross Area	2,038 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,882 sqft (0.158 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3685
Street Address	4 GODDU ST
City	LUDLOW
State	MA
Zip	01056-2613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4 GODDU ST, LUDLOW, MA 01056-2613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC
Mar 17, 2017	Deed of Trust, Transfer · Conventional with PMI MILEND
Mar 17, 2017	Deed of Trust, Mortgage · Line of Credit MILEND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Oct 23, 2009 · Amount on Record
Transfer Doc	21676-315
Record Updated	Sep 20, 2026

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 23, 2022
Property Address	4 GODDU ST, LUDLOW, MA 01056-2613
Document Number	024693-469
Book / Page	24693 / 469
Instrument Date	Aug 23, 2022
Instrument	50982
Transaction Type	Transfer
Record Updated	Sep 9, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4 GODDU ST, LUDLOW, MA 01056-2613

Mortgage

Document Number	0000050983
Date	Aug 23, 2022
Instrument	50983

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2017: Deed of Trust, Transfer

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	4 GODDU ST, LUDLOW, MA 01056-2613
Document Number	21676-315
Instrument Date	Mar 17, 2017
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Intrafamily Transfer

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	21676-315
Date	May 11, 2017
Book Page	021676/000315
Instrument	25924

Lender

Name	MILEND

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	4 GODDU ST, LUDLOW, MA 01056-2613
Document Number	21676-330
Instrument Date	Mar 17, 2017
Transaction Type	Mortgage
Record Updated	May 30, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	21676-330
Date	May 11, 2017
Book Page	021676/000330
Instrument	25925

Lender

Name	MILEND

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2047

Interest

Rate Type	Adjustable Rate

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
2025	$4,235.00 (+4.98%)	$244,100 (+9.46%) Land $68,200 Building $175,900	$329,840 (+6.44%)
2024	$4,034.00 (+25.24%)	$223,000 (+35.07%) Land $68,200 Building $154,800	$309,890
2023	$3,221.00	$165,100 Land $56,700 Building $108,400

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
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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