Hampden County and Ludlow Town property record for 421 Holyoke St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1956 |
| Lot Size | 0.633 acres (27,573 sqft) |
| Owner | Individual Name on File |
| Last Sale | $380,000 (Oct 2026) |
| Tax Bill | $5,485 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage Mar 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:11B-07250 B:66 L:0 |
| Primary APN | M:11B-07250 B:66 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,376 sqft Living Area |
| Gross Area | 5,326 sqft |
| Basement Area | 1,376 sqft |
| Unfinished Basement | 1,376 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 27,573 sqft (0.633 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 4245 |
|---|---|
| Street Address | 421 HOLYOKE ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A- |
| Legal Block | 7250 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 810412 |
421 Holyoke St is owned by an individual who bought it in October 2026.
Source: Hampden County and Ludlow Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 39 CONTESSA ST, SPRINGFIELD, MA 01119-1610 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage POLISH NATIONAL CREDIT UNION |
| Mar 4, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2026 · Amount on File |
| Deed Sale | Oct 2, 2026 · Amount on File |
| Prior Sale | Jan 14, 2011 · Amount on File |
| Deed Document Number | 202648532 |
| Deed Book / Page | 26536 / 317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Oct 2, 2026 |
| Property Address | 421 HOLYOKE ST, LUDLOW, MA 01056-1934 |
| Document Number | 0000048532 |
| Book / Page | 26536 / 317 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202648532 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Date | Oct 2, 2026 |
|---|
| Name | POLISH NATIONAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 421 HOLYOKE ST, LUDLOW, MA 01056-1934 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22575-172 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 22575/172 |
| Instrument | 11020 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2029 |
The 2026 property tax bill for 421 Holyoke St was $5,485, down 0.1% 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 | $5,485.00 (-0.11%) | $342,600 (+8.25%) Land $97,300 Building $245,300 | $355,465 (+6.33%) |
| 2025 | $5,491.00 (+3.92%) | $316,500 (+8.35%) Land $88,500 Building $228,000 | $334,305 (+19.61%) |
| 2024 | $5,284.00 (+4.2%) | $292,100 (+12.39%) Land $89,200 Building $202,900 | $279,490 |
| 2023 | $5,071.00 | $259,900 Land $81,600 Building $178,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 421 Holyoke 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 421 Holyoke 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 | Direct burnable vegetation |
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 190 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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