49 Crest St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 49 Crest St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,085 sqft · built 1953
Lot Size	0.198 acres (8,625 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,500 (Aug 2025)
Tax Bill	$4,344 (2026)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27A-04500 B:62 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-04500 B:62 L:0`
Alternative APNs	`LUDL M:27A B:4500 P:62` `2542`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,085 sqft Living Area
Gross Area	3,601 sqft
Basement Area	1,085 sqft
Unfinished Basement	1,085 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,625 sqft (0.198 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2542
Street Address	49 CREST ST
City	LUDLOW
State	MA
Zip	01056-3730
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1017
Census Tract	810404

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	49 CREST ST, LUDLOW, MA 01056-3730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2025	Warranty Deed, Transfer · Second Mortgage (Down Payment) COUNTRY BANK
Oct 15, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2025 · Amount on Record
Deed Sale	Aug 11, 2025 · Amount on Record
Prior Sale	Oct 15, 2020 · Amount on Record
Deed Document Number	202537143
Deed Book / Page	25981 / 185
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 11, 2025
Property Address	49 CREST ST, LUDLOW, MA 01056-3730
Document Number	025981-185
Book / Page	25981 / 185
Instrument Date	Aug 11, 2025
Instrument	37143
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Amount	Amount Recorded
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 Tenants with Right of Survivorship
Address	49 CREST ST, LUDLOW, MA 01056-3730

Mortgage

Document Number	0000037144
Date	Aug 11, 2025
Instrument	37144

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 15, 2020
Property Address	49 CREST ST, LUDLOW, MA 01056-3730
Document Number	23476-331
Book / Page	23476 / 331
Instrument Date	Oct 13, 2020
Instrument	59577
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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
Address	34 BRIARWOOD LN, LUDLOW, MA 01056-1301

Mortgage

Document Number	59578
Date	Oct 15, 2020
Instrument	59578

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

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	Assessed Market Value
2026	$4,344.00 (+0.84%)	$271,300 (+9.26%) Land $88,400 Building $182,900	$305,641 (+7.03%)
2025	$4,308.00 (+4.72%)	$248,300 (+9.19%) Land $80,300 Building $168,000	$285,570 (-4.93%)
2024	$4,114.00 (+6.5%)	$227,400 (+14.85%) Land $80,300 Building $147,100	$300,390
2023	$3,863.00	$198,000 Land $70,500 Building $127,500

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
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	None beyond ember reach

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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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