49 Davis St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,774 sqft · built 1900
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Mar 2003)
Tax Bill	$4,920 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12D-04700 B:6 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12D-04700 B:6 L:0`
Alternative APNs	`LUDL M:12D B:4700 P:6` `2600`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,774 sqft Living Area
Gross Area	3,497 sqft
Basement Area	1,121 sqft
Unfinished Basement	1,121 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1964
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2600
Street Address	49 DAVIS ST
City	LUDLOW
State	MA
Zip	01056-2604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4700
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1005
Census Tract	810403

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 DAVIS ST, LUDLOW, MA 01056-2604
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREATER SPRINGFIELD CREDIT UNION
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage GREATER SPRINGFIELD CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2003 · Amount on Record
Deed Sale	Mar 31, 2003 · Amount on Record
Prior Sale	Apr 14, 1989 · Amount on Record
Deed Document Number	200314235
Deed Book / Page	13070 / 140
Transfer Doc	0000000000
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	49 DAVIS ST, LUDLOW, MA 01056-2604
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025148-87
Date	Sep 11, 2023
Book Page	25148/87
Instrument	42545

Lender

Name	GREATER SPRINGFIELD CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	49 DAVIS ST, LUDLOW, MA 01056-2604
Document Number	22779-212
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 DAVIS ST LUDLOW MA 010562604, LUDLOW, MA 01056-2604

Mortgage

Document Number	22779-212
Date	Jul 30, 2019
Book Page	022779/000212
Instrument	42114

Lender

Name	GREATER SPRINGFIELD CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 29, 2029

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	$4,920.00 (+2.03%)	$307,300 (+10.58%) Land $85,300 Building $222,000	$329,613 (-19.33%)
2025	$4,822.00 (+3.52%)	$277,900 (+7.92%) Land $77,500 Building $200,400	$408,595 (+4.12%)
2024	$4,658.00 (+5.84%)	$257,500 (+14.14%) Land $78,000 Building $179,500	$392,445
2023	$4,401.00	$225,600 Land $64,900 Building $160,700

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 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 367 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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