418 Munsing St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 418 Munsing St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,380 sqft · built 1972
Lot Size	0.542 acres (23,610 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,527 (2026)
Deeds & Mortgages	Nov 2021 Refinance Sep 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:018-10800 B:22 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-10800 B:22 L:0`
Alternative APNs	`LUDL M:18 B:10800 P:22` `6043`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,380 sqft Living Area
Gross Area	5,870 sqft
Basement Area	1,260 sqft
Unfinished Basement	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	23,610 sqft (0.542 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6043
Street Address	418 MUNSING ST
City	LUDLOW
State	MA
Zip	01056-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	10800
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2003
Census Tract	810414

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	2 Individual Names on Record
Mailing Address	PO BOX 110, BELCHERTOWN, MA 01007-0110
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Sep 15, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	418 MUNSING ST, LUDLOW, MA 01056-1166
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24264-145
Date	Nov 23, 2021
Book Page	24264/145
Instrument	83542

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 15, 2017
Property Address	418 MUNSING ST, LUDLOW, MA 01056-1166
Document Number	21859-325
Book / Page	021859 / 000325
Instrument Date	Sep 6, 2017
Instrument	54405
Transaction Type	Transfer
Record Updated	Oct 4, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	418 MUNSING ST LUDLOW MA 010561166, LUDLOW, MA 01056-1166

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	$6,527.00 (+1.29%)	$407,700 (+9.77%) Land $90,500 Building $317,200	$439,602 (-10.15%)
2025	$6,444.00 (+3.97%)	$371,400 (+8.41%) Land $82,300 Building $289,100	$489,250 (+4.34%)
2024	$6,198.00 (-9.16%)	$342,600 (-2.03%) Land $83,400 Building $259,200	$468,920
2023	$6,823.00	$349,700 Land $73,200 Building $276,500

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 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 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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