Hampden County and Ludlow Town property record for 40 West St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,320 sqft · built 1920 |
| Lot Size | 0.252 acres (10,977 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jun 2022) |
| Tax Bill | $3,993 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:01D-17700 B:26 L:1 |
| Primary APN | M:01D-17700 B:26 L:1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,320 sqft Living Area |
| Gross Area | 2,640 sqft |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,977 sqft (0.252 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 8437 |
|---|---|
| Street Address | 40 WEST ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BUS A |
| Legal Block | 17700 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 810403 |
40 West St is owned and occupied by an individual who bought it in June 2022.
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 File |
|---|---|
| Mailing Address | 40 WEST ST, LUDLOW, MA 01056-2161 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on File |
| Deed Sale | Jun 24, 2022 · Amount on File |
| Deed Book / Page | 24607 / 297 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 24, 2022 |
| Property Address | 40 WEST ST, LUDLOW, MA 01056-2161 |
| Document Number | 024607-297 |
| Book / Page | 24607 / 297 |
| Instrument Date | Jun 24, 2022 |
| Instrument | 38150 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount 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 | 150 BERARD CIR, SPRINGFIELD, MA 01128-1013 |
| Document Number | 0000038152 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 38152 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 024607-318 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 24607/318 |
| Instrument | 38153 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2026 property tax bill for 40 West St was $3,993, up 2.9% 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 | $3,993.00 (+2.94%) | $249,400 (+11.54%) Land $70,300 Building $179,100 | $294,581 (-1.22%) |
| 2025 | $3,879.00 (+4.3%) | $223,600 (+8.75%) Land $63,900 Building $159,700 | $298,205 (+5.19%) |
| 2024 | $3,719.00 (+14.22%) | $205,600 (+23.19%) Land $63,800 Building $141,800 | $283,480 |
| 2023 | $3,256.00 | $166,900 Land $53,100 Building $113,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 West 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 risk around 40 West St is low, with less than 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 97% of the US · lower than 94% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 78 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Crossroads Fiber, GoNetspeed, T-Mobile, Verizon, Xfinity.
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