488 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 488 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1956
Lot Size	0.92 acres (40,075 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,000 (Jul 2002)
Tax Bill	$3,930 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:009-05850 B:72 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:009-05850 B:72 L:0`
Alternative APNs	`LUDL M:9 B:5850 P:72` `3475`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,858 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3475
Street Address	488 FULLER ST
City	LUDLOW
State	MA
Zip	01056-1387
Property Category	Residential
Property Type	Residential > Single Family > Home
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

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 Record
Mailing Address	488 FULLER ST, LUDLOW, MA 01056-1387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Jan 24, 2017	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2002 · Amount on Record
Deed Sale	Jul 16, 2002 · Amount on Record
Prior Sale	Mar 21, 1989 · Amount on Record
Deed Book / Page	12443 / 382
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	488 FULLER ST, LUDLOW, MA 01056-1387
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23676-459
Date	Jan 28, 2021
Book Page	23676/459
Instrument	6210

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2046

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	488 FULLER ST, LUDLOW, MA 01056-1387
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21543-280
Date	Jan 24, 2017
Book Page	21543/280
Instrument	4059

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
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	Assessed Market Value
2026	$3,930.00 (+0.8%)	$245,500 (+9.26%) Land $104,300 Building $141,200	$271,244 (-8.55%)
2025	$3,899.00 (+3.48%)	$224,700 (+7.87%) Land $94,800 Building $129,900	$296,590 (+3.27%)
2024	$3,768.00 (+6.83%)	$208,300 (+15.21%) Land $94,800 Building $113,500	$287,185
2023	$3,527.00	$180,800 Land $83,200 Building $97,600

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

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
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

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	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.

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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