48 Baker St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 48 Baker St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,108 sqft · built 1923
Lot Size	0.236 acres (10,280 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Mar 2025)
Tax Bill	$3,826 (2025)
Deeds & Mortgages	Mar 2025 Sale & Mortgage Feb 2024 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`M:15B-01250 B:19 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15B-01250 B:19 L:0`
Alternative APNs	`LUDL M:15B B:1250 P:19` `472`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,108 sqft Living Area
Gross Area	2,262 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1964
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,280 sqft (0.236 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	472
Street Address	48 BAKER ST
City	LUDLOW
State	MA
Zip	01056-2473
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	1250
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1029
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	19 HAYWARD ST, FRANKLIN, MA 02038-2118
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2025	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Feb 29, 2024	Foreclosure · Stand-Alone First Mortgage PINNACLE FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2025 · Amount on Record
Deed Sale	Mar 4, 2025 · Amount on Record
Prior Sale	Feb 29, 2024 · Amount on Record
Deed Book / Page	25779 / 582
Record Updated	Oct 29, 2026

March 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 4, 2025
Property Address	48 BAKER ST, LUDLOW, MA 01056-2473
Document Number	025779-582
Book / Page	25779 / 582
Instrument Date	Mar 4, 2025
Instrument	9653
Transaction Type	Transfer
Record Updated	Mar 21, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HAYWARD ST, FRANKLIN, MA 02038-2118

Mortgage

Document Number	0000009654
Date	Mar 4, 2025
Instrument	9654

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00025780-1
Date	Mar 4, 2025
Book Page	25780/1
Instrument	9655

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2040

February 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	LUDLOW MA
Recording Date	Feb 29, 2024
Property Address	48 BAKER ST, LUDLOW, MA 01056-2473
Document Number	025335-471
Book / Page	25335 / 471
Instrument Date	Feb 28, 2024
Instrument	8685
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	33 MANOR CIR, EAST HARTFORD, CT 06118-3429

Mortgage

Document Number	0000008688
Date	Feb 29, 2024
Instrument	8688

Lender

Name	PINNACLE FINANCIAL SERVICES LLC

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
2025	$3,826.00 (+3.18%)	$220,500 (+7.56%) Land $74,200 Building $146,300
2024	$3,708.00 (+7.63%)	$205,000 (+16.08%) Land $74,200 Building $130,800
2023	$3,445.00	$176,600 Land $65,100 Building $111,500

Assessed value is set for property tax purposes and is not a market price estimate.

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	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · 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

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	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50

May also be available: Verizon.

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