407 State St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 407 State St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,480 sqft · built 1963
Lot Size	0.258 acres (11,238 sqft)
Owner	2 Individual Names on File
Last Sale	$211,000 (Jul 2014)
Tax Bill	$5,010 (2026)
Deeds & Mortgages	Dec 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:14C-14200 B:96 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:14C-14200 B:96 L:0`
Alternative APNs	`LUDL M:14C B:14200 P:96` `7530`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,480 sqft Living Area
Gross Area	3,259 sqft
Basement Area	1,480 sqft
Unfinished Basement	1,480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7530
Street Address	407 STATE ST
City	LUDLOW
State	MA
Zip	01056-3440
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	14200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3025
Census Tract	810403

Owner

407 State St is owned and occupied by two individuals who acquired it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	407 STATE ST, LUDLOW, MA 01056-3440
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2014 · Amount on File
Deed Sale	Jul 3, 2014 · Amount on File
Deed Book / Page	20341 / 55
Last Transfer Date	Dec 24, 2018
Transfer Doc	22498-151
Record Updated	Oct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 24, 2018
Property Address	407 STATE ST, LUDLOW, MA 01056-3440
Document Number	22498-151
Book / Page	022498 / 000151
Instrument Date	Dec 24, 2018
Instrument	76318
Transaction Type	Transfer
Record Updated	Jan 15, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 STATE ST LUDLOW MA 010563440, LUDLOW, MA 01056-3440

Tax Assessment & Valuation

The 2026 property tax bill for 407 State St was $5,010, up 0.5% 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	$5,010.00 (+0.54%)	$312,900 (+8.95%) Land $90,600 Building $222,300	$338,979 (-2.93%)
2025	$4,983.00 (+5.86%)	$287,200 (+10.38%) Land $82,400 Building $204,800	$349,220 (+1.27%)
2024	$4,707.00 (+3.54%)	$260,200 (+11.67%) Land $82,300 Building $177,900	$344,850
2023	$4,546.00	$233,000 Land $72,300 Building $160,700

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

Flood

FEMA maps place 407 State St in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 407 State 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.

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 123 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