41 Franklin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 41 Franklin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,251 sqft · built 1954
Lot Size	0.095 acres (4,138 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2022)
Tax Bill	$3,458 (2026)
Deeds & Mortgages	Dec 2022 Refinance Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:14B-05800 B:263 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:14B-05800 B:263 L:0`
Alternative APNs	`LUDL M:14B B:5800 P:263` `3288`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,251 sqft Living Area
Gross Area	2,204 sqft
Basement Area	684 sqft
Unfinished Basement	684 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,138 sqft (0.095 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	3288
Street Address	41 FRANKLIN ST
City	LUDLOW
State	MA
Zip	01056-3512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	5800
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3005
Census Tract	810403

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	41 FRANKLIN ST, LUDLOW, MA 01056-3512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Aug 4, 2022	Fiduciary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2022 · Amount on Record
Deed Sale	Aug 4, 2022 · Amount on Record
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	41 FRANKLIN ST, LUDLOW, MA 01056-3512
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024859-89
Date	Dec 29, 2022
Book Page	24859/89
Instrument	75763

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	289 Months
Due	Jan 1, 2047

August 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 4, 2022
Property Address	41 FRANKLIN ST, LUDLOW, MA 01056-3512
Document Number	024668-549
Book / Page	24668 / 549
Instrument Date	Jul 11, 2022
Instrument	47261
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
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
Address	41 FRANKLIN ST, LUDLOW, MA 01056-3512

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
2026	$3,458.00 (+2.73%)	$216,000 (+11.34%) Land $76,900 Building $139,100	$267,636 (+16.03%)
2025	$3,366.00 (+3.19%)	$194,000 (+7.6%) Land $69,900 Building $124,100	$230,660 (+4.75%)
2024	$3,262.00 (+5.81%)	$180,300 (+14.11%) Land $69,900 Building $110,400	$220,210
2023	$3,083.00	$158,000 Land $61,400 Building $96,600

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 · 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

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 751 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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