Hampden County and Ludlow Town property record for 43 Russell St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,020 sqft · built 2002 |
| Lot Size | 0.376 acres (16,379 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $159,900 (May 2017) |
| Tax Bill | $6,127 (2026) |
| Deeds & Mortgages | Sep 2020 Refinance Jun 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:01D-13200 B:23 L:0 |
| Primary APN | M:01D-13200 B:23 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,020 sqft Living Area |
| Gross Area | 2,449 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,379 sqft (0.376 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7244 |
|---|---|
| Street Address | 43 RUSSELL ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 13200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 810403 |
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 | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE |
| Jun 21, 2022 | Warranty Deed, Transfer |
| May 30, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2017 · Amount on Record |
| Deed Sale | May 30, 2017 · Amount on Record |
| Prior Sale | Apr 3, 2013 |
| Last Transfer Date | Jun 15, 2022 |
| Transfer Doc | 024600-169 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Transaction Type | Mortgage |
| Record Updated | Jul 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 023426-197 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 23426/197 |
| Instrument | 52756 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 21, 2022 |
| Property Address | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Document Number | 024600-169 |
| Book / Page | 24600 / 169 |
| Instrument Date | Jun 15, 2022 |
| Instrument | 37079 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 30, 2017 |
| Property Address | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Document Number | 21701-297 |
| Book / Page | 21701 / 297 |
| Instrument | 29665 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.64 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 43 RUSSELL ST, LUDLOW, MA 01056-2139 |
| Document Number | 217010299 |
|---|---|
| Date | May 30, 2017 |
| Instrument | 21701/0299 |
| Name | HOMEBRIDGE FINANCIAL |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2047 |
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 | $6,127.00 (+3.87%) | $382,700 (+12.56%) Land $82,100 Building $300,600 | $427,406 (+26.98%) |
| 2025 | $5,899.00 (+3.58%) | $340,000 (+8.01%) Land $74,600 Building $265,400 | $336,585 (+2.34%) |
| 2024 | $5,695.00 (+7.94%) | $314,800 (+16.42%) Land $74,500 Building $240,300 | $328,890 |
| 2023 | $5,276.00 | $270,400 Land $61,900 Building $208,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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