448 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 448 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,740 sqft · built 1969
Lot Size	1.89 acres (82,459 sqft)
Owner	2 Individual Names on File
Last Sale	$372,000 (Feb 2021)
Tax Bill	$7,994 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:009-05850 B:74A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:009-05850 B:74A L:0`
Alternative APNs	`LUDL M:9 B:5850 P:74A` `3482`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,740 sqft Living Area
Gross Area	4,302 sqft
Basement Area	1,324 sqft
Unfinished Basement	1,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	82,459 sqft (1.89 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	3482
Street Address	448 FULLER ST
City	LUDLOW
State	MA
Zip	01056-1309
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AG
Legal Block	5850
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2001
Census Tract	810414

Owner

448 Fuller St, a duplex, is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	448 FULLER ST, LUDLOW, MA 01056-1309
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2021 · Amount on File
Deed Sale	Feb 19, 2021 · Amount on File
Deed Document Number	202111733
Deed Book / Page	23718 / 589
Record Updated	Oct 29, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 19, 2021
Property Address	448 FULLER ST, LUDLOW, MA 01056-1309
Document Number	23718-589
Book / Page	23718 / 589
Instrument Date	Feb 19, 2021
Instrument	11733
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	Joint Venture
Address	448 FULLER ST, LUDLOW, MA 01056-1309

Mortgage

Document Number	11734
Date	Feb 19, 2021
Instrument	11734

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Mar 1, 2026
Max Rate At Change	2.5%
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 448 Fuller St was $7,994, up 4.5% 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	$7,994.00 (+4.48%)	$499,300 (+13.22%) Land $110,000 Building $389,300	$448,653
2025	$7,651.00 (+5.24%)	$441,000 (+9.73%) Land $100,300 Building $340,700
2024	$7,270.00 (-1.62%)	$401,900 (+6.1%) Land $100,300 Building $301,600
2023	$7,390.00	$378,800 Land $88,000 Building $290,800

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

Flood

FEMA maps place 448 Fuller St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

Wildfire risk around 448 Fuller 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTH HADLEY FD #1 (MWRA) serves 14,800 people · EPA ID MA1275000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 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: GoNetspeed.

Cell Coverage

5G and 4G LTE (outdoors only)

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