432 Munsing St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 432 Munsing St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,588 sqft · built 2011
Lot Size	1.17 acres (51,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (Sep 2021)
Tax Bill	$13,580 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:018-10800 B:18 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-10800 B:18 L:0`
Alternative APNs	`LUDL M:18 B:10800 P:18` `6041`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,588 sqft Living Area
Gross Area	6,628 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,096 sqft (1.17 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6041
Street Address	432 MUNSING ST
City	LUDLOW
State	MA
Zip	01056-1166
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Subdivision	JACQUELINE C NIQUETTE
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 July 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	432 MUNSING ST, LUDLOW, MA 01056-1166
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Mar 16, 2004 · Amount on Record
Deed Document Number	202165750
Deed Book / Page	24128 / 421
Transfer Doc	21218-131
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 17, 2021
Property Address	432 MUNSING ST, LUDLOW, MA 01056-1166
Document Number	24128-421
Book / Page	24128 / 421
Instrument Date	Sep 17, 2021
Instrument	65750
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Tenants by the Entirety
Address	239 MORGAN ST, SOUTH HADLEY, MA 01075-1625

Mortgage

Document Number	65751
Date	Sep 17, 2021
Instrument	65751

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$13,580.00 (+10.62%)	$782,700 (+15.34%) Land $97,800 Building $684,900	$724,280 (+3.43%)
2024	$12,276.00 (-0.94%)	$678,600 (+6.83%) Land $97,800 Building $580,800	$700,245
2023	$12,393.00	$635,200 Land $85,800 Building $549,400

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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