Ludlow Town property record for 45 Andover St, Ludlow, VT 05149
| Property Type | Duplex |
|---|---|
| Details | 5 bd · 3 ba · 2,381 sqft · built 1920 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Company Name on Record |
| Last Sale | $150,000 (Nov 2002) |
| Tax Bill | $2,649 (2025) |
| Deeds & Mortgages | Mar 2024 Transfer |
| Flood Zone | Zone X (moderate risk) |
| APN | 363-112-12178 |
| Primary APN | 363-112-12178 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,381 sqft Living Area |
| Gross Area | 2,870 sqft |
| Basement Area | 870 sqft |
| Unfinished Basement | 805 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,860 sqft (0.41 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 45 ANDOVER ST |
|---|---|
| City | LUDLOW |
| State | VT |
| Zip | 05149-1201 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | ANDOVER STREET 45 TWO FAMILY INCL 220 |
| Jurisdiction | LUDLOW VT |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 966300 |
Source: Ludlow Town records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 385 LAKEVIEW AVE, RINGWOOD, NJ 07456-2118 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2002 · Amount on Record |
| Deed Sale | Nov 4, 2002 · Amount on Record |
| Prior Sale | Sep 28, 1998 · Amount on Record |
| Deed Document Number | 2002361421 |
| Deed Book / Page | 226 / 614 |
| Last Transfer Date | Feb 8, 2024 |
| Transfer Doc | 0912223040 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LUDLOW VT |
| Recording Date | Mar 15, 2024 |
| Property Address | 45 ANDOVER ST, LUDLOW, VT 05149-1201 |
| Document Number | 0912223040 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 912223040 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 385 LAKEVIEW AVE, RINGWOOD, NJ 07456-2118 |
| Name | Verified Name |
|---|---|
| Address | 385 LAKEVIEW AVE, RINGWOOD, NJ 07456-2118 |
Source: Ludlow Town assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Vermont |
| County | Windsor County |
| County Subdivision | Ludlow Town |
| Municipality | Ludlow Village |
| Elementary School District | Ludlow Mt. Holly Unified Union School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $2,649.00 (-12.34%) | $143,500 (-) Land $50,800 Building $92,700 |
| 2024 | $3,022.00 (+12.43%) | |
| 2022 | $143,500 Land $50,800 Building $92,700 | |
| 2021 | $2,688.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective April 13, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 28 individual policies |
| Nearby Flood Policies | 122 units insured incl. 94 condo units |
| Nearby Flood Claims | 31 (1981–2023) |
| Claims Outside the SFHA | 4 of 31 |
| Most Recent Claim | Jul 2023 · Severe Storms, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 52% of Vermont |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | LUDLOW VILLAGE WATER DEPT serves 2,880 people · EPA ID VT0005323 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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