434 Moore St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 434 Moore St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,840 sqft · built 2000
Lot Size	6.23 acres (271,379 sqft)
Owner	2 Individual Names on File
Last Sale	$429,000 (Dec 2020)
Tax Bill	$9,484 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:032-10550 B:2 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-10550 B:2 L:0`
Alternative APNs	`LUDL M:32 B:10550 P:2` `5882`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,840 sqft Living Area
Gross Area	8,379 sqft
Basement Area	1,604 sqft
Unfinished Basement	1,604 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	271,379 sqft (6.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5882
Street Address	434 MOORE ST
City	LUDLOW
State	MA
Zip	01056-1627
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	10550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
Census Tract	810414

Owner

434 Moore St is owned and occupied by two individuals who bought it in December 2020.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	434 MOORE ST, LUDLOW, MA 01056-1627
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CALIBER HOME LOANS INC
Aug 31, 2018	Deed of Trust, Mortgage · Line of Credit FREEDOM CU
Apr 21, 2017	Quit Claim Deed, Transfer FREEDOM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Dec 6, 1999 · Amount on File
Deed Document Number	202074136
Deed Book / Page	23585 / 548
Record Updated	Oct 29, 2026

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 11, 2020
Property Address	434 MOORE ST, LUDLOW, MA 01056-1627
Document Number	23585-548
Book / Page	23585 / 548
Instrument Date	Dec 11, 2020
Instrument	74136
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	32 LOWER WHITNEY ST, LUDLOW, MA 01056-3419

Mortgage

Document Number	74137
Date	Dec 11, 2020
Instrument	74137

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	434 MOORE ST, LUDLOW, MA 01056-1627
Document Number	22365-323
Instrument Date	Aug 31, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 MOORE ST LUDLOW MA 010561627, LUDLOW, MA 01056-1627

Mortgage

Document Number	22365-323
Date	Sep 19, 2018
Book Page	022365/000323
Instrument	56168

Lender

Name	FREEDOM CU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 18, 2038

Interest

Rate Type	Adjustable Rate

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 21, 2017
Property Address	434 MOORE ST, LUDLOW, MA 01056-1627
Document Number	21648-306
Book / Page	21648 / 306
Instrument	21544
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$76.31
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21648-308
Date	Apr 21, 2017
Book Page	21648/308
Instrument	21545

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 434 Moore St was $9,484, up 1.7% from the year before.

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	$9,484.00 (+1.72%)	$592,400 (+10.23%) Land $114,400 Building $478,000	$644,665 (+23.9%)
2025	$9,324.00 (+3.46%)	$537,400 (+7.87%) Land $105,100 Building $432,300	$520,315 (+0.98%)
2024	$9,012.00 (+4.91%)	$498,200 (+13.15%) Land $105,200 Building $393,000	$515,280
2023	$8,590.00	$440,300 Land $87,400 Building $352,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 434 Moore St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · rainfall accumulation

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

Wildfire risk around 434 Moore 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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