498 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 498 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,176 sqft · built 1959
Lot Size	1.72 acres (75,315 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Dec 2022)
Tax Bill	$5,208 (2026)
Deeds & Mortgages	Mar 2022 Refinance Jan 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:009-05850 B:70 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:009-05850 B:70 L:0`
Alternative APNs	`LUDL M:9 B:5850 P:70` `3473`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,176 sqft Living Area
Gross Area	3,102 sqft
Basement Area	1,449 sqft
Unfinished Basement	1,449 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	75,315 sqft (1.72 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3473
Street Address	498 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	498 FULLER ST, LUDLOW, MA 01056-1387
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIFTH THIRD BANK
Jan 18, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
Dec 1, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE
Sep 10, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on Record
Deed Sale	Dec 1, 2022 · Amount on Record
Prior Sale	Sep 10, 2021 · Amount on Record
Deed Book / Page	24824 / 154
Prior Transfer Date	Nov 29, 2022
Prior Transfer Doc	024824-154
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	498 FULLER ST, LUDLOW, MA 01056-1387
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024428-389
Date	Mar 1, 2022
Book Page	24428/389
Instrument	12782

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	498 FULLER ST, LUDLOW, MA 01056-1387
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024359-173
Date	Jan 18, 2022
Book Page	24359/173
Instrument	3209

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 1, 2022
Property Address	498 FULLER ST, LUDLOW, MA 01056-1387
Document Number	024824-154
Book / Page	24824 / 154
Instrument Date	Nov 29, 2022
Instrument	70215
Transaction Type	Transfer
Record Updated	Nov 20, 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
Address	498 FULLER ST, LUDLOW, MA 01056-1387

Mortgage

Document Number	0000070216
Date	Dec 1, 2022
Instrument	70216

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 10, 2021
Property Address	498 FULLER ST, LUDLOW, MA 01056-1387
Document Number	24112-229
Book / Page	24112 / 229
Instrument Date	Aug 31, 2021
Instrument	63707
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 WHEELER RD, HOLLIS, NH 03049-5931

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	$5,208.00 (+0.25%)	$325,300 (+8.65%) Land $109,500 Building $215,800	$319,824 (-12.31%)
2025	$5,195.00 (+4.09%)	$299,400 (+8.52%) Land $99,800 Building $199,600	$364,705 (+4.35%)
2024	$4,991.00 (+12.94%)	$275,900 (+21.81%) Land $99,800 Building $176,100	$349,505
2023	$4,419.00	$226,500 Land $87,500 Building $139,000

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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