Hampden County and Ludlow Town property record for 432 East St, Ludlow, MA 01056
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 5,262 sqft · built 1951 |
| Lot Size | 0.781 acres (34,000 sqft) |
| Owner | Company Name on File |
| Tax Bill | $5,219 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15A-04900 B:235 L:0 |
| Primary APN | M:15A-04900 B:235 L:0 |
|---|---|
| Alternative APNs |
|
| Total Rooms | 9 Rooms |
|---|---|
| Stories | 2 Stories |
| Building Area | 5,262 sqft Total Area |
| Gross Area | 11,217 sqft |
| Basement Area | 620 sqft |
| Unfinished Basement | 620 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 34,000 sqft (0.781 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 2870 |
|---|---|
| Street Address | 432 EAST ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3011 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Local Zoning Code | BUS A |
| Legal Block | 4900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 810403 |
432 East St, a commercial property, is owned by a company that acquired it in June 2025.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 432 EAST ST, LUDLOW, MA 01056-3011 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jun 25, 2025 |
| Transfer Doc | 0025917-34 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 432 East St was $5,219, down 47.5% 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 | $5,219.00 (-47.48%) | $326,000 (-43.09%) Land $82,960 Building $243,040 | $379,846 (-43.8%) |
| 2025 | $9,938.00 (-2.43%) | $572,800 (+1.72%) Land $188,400 Building $384,400 | $675,830 |
| 2024 | $10,186.00 (+0.67%) | $563,100 (+8.58%) Land $178,700 Building $384,400 | |
| 2023 | $10,118.00 | $518,600 Land $162,400 Building $356,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 432 East 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 432 East 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 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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