Hampden County and Ludlow Town property record for 441 Miller St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 720 sqft · built 1948 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $303,000 (Feb 2024) |
| Tax Bill | $4,246 (2026) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Aug 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:026-10400 B:32 L:1 |
| Primary APN | M:026-10400 B:32 L:1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Gross Area | 2,600 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 5707 |
|---|---|
| Street Address | 441 MILLER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1470 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Block | 10400 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 810414 |
441 Miller St is owned by two individuals who bought it in February 2024.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 17 MAPLE ST, LUDLOW, MA 01056-2759 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Feb 27, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC |
| Aug 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU |
| Jul 13, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU |
| May 20, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2024 · Amount on File |
| Deed Sale | Feb 27, 2024 · Amount on File |
| Prior Sale | May 20, 2020 · Amount on File |
| Deed Document Number | 20248242 |
| Deed Book / Page | 25332 / 311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Feb 27, 2024 |
| Property Address | 441 MILLER ST, LUDLOW, MA 01056-1470 |
| Document Number | 025332-311 |
| Book / Page | 25332 / 311 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 8242 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2024 |
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 17 MAPLE ST, LUDLOW, MA 01056-2759 |
| Document Number | 0000008243 |
|---|---|
| Date | Feb 27, 2024 |
| Instrument | 8243 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 025332-336 |
|---|---|
| Date | Feb 27, 2024 |
| Book Page | 25332/336 |
| Instrument | 8244 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 441 MILLER ST, LUDLOW, MA 01056-1470 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24049-282 |
|---|---|
| Date | Aug 9, 2021 |
| Book Page | 24049/282 |
| Instrument | 55559 |
| Name | FREEDOM CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 441 MILLER ST, LUDLOW, MA 01056-1470 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23308-211 |
|---|---|
| Date | Jul 13, 2020 |
| Book Page | 23308/211 |
| Instrument | 37422 |
| Name | FREEDOM CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2030 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 20, 2020 |
| Property Address | 441 MILLER ST, LUDLOW, MA 01056-1470 |
| Document Number | 23218-153 |
| Book / Page | 023218 / 000153 |
| Instrument Date | Apr 13, 2020 |
| Instrument | 25505 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1274 BERKSHIRE AVE INDIAN ORCHARD MA 011511312, INDIAN ORCHARD, MA 01151-1312 |
The 2026 property tax bill for 441 Miller St was $4,246, down 0.3% 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 | $4,246.00 (-0.31%) | $265,200 (+8.02%) Land $106,900 Building $158,300 | $292,807 (-2%) |
| 2025 | $4,259.00 (+2.58%) | $245,500 (+6.97%) Land $97,200 Building $148,300 | $298,775 (+6.32%) |
| 2024 | $4,152.00 (+6.79%) | $229,500 (+15.15%) Land $97,200 Building $132,300 | $281,010 |
| 2023 | $3,888.00 | $199,300 Land $85,300 Building $114,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 Miller St in Zone X, an area of minimal flood risk.
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 risk around 441 Miller 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 | WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jun 2025 |
| Lead | 6 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Oct 2018 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures