51 Birch St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 51 Birch St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,271 sqft · built 1943
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on File
Last Sale	$157,500 (Sep 2017)
Tax Bill	$3,714 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:15A-01900 B:394 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-01900 B:394 L:0`
Alternative APNs	`LUDL M:15A B:1900 P:394` `677`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,271 sqft Living Area
Gross Area	2,563 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,140 sqft (0.118 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	677
Street Address	51 BIRCH ST
City	LUDLOW
State	MA
Zip	01056-2475
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	1900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2010
Census Tract	810403

Owner

51 Birch St is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	51 BIRCH ST, LUDLOW, MA 01056-2475
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2017	Quit Claim Deed, Transfer TD BANK NA
Oct 2, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Deed Book / Page	21882 / 565
Record Updated	Oct 29, 2026

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 29, 2017
Property Address	51 BIRCH ST, LUDLOW, MA 01056-2475
Document Number	21882-565
Book / Page	21882 / 565
Instrument	57869
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	218820568
Date	Sep 29, 2017
Instrument	21882/0568

Lender

Name	TD BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2047

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 2, 2017
Property Address	51 BIRCH ST, LUDLOW, MA 01056-2475
Document Number	21884-397
Book / Page	021884 / 000397
Instrument Date	Sep 28, 2017
Instrument	58087
Transaction Type	Transfer
Record Updated	Oct 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 BIRCH ST LUDLOW MA 010562475, LUDLOW, MA 01056-2475

Tax Assessment & Valuation

The 2026 property tax bill for 51 Birch St was $3,714, up 0.8% from the year before.

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	$3,714.00 (+0.84%)	$232,000 (+9.28%) Land $77,700 Building $154,300	$274,091 (-3.05%)
2025	$3,683.00 (+4.57%)	$212,300 (+9.04%) Land $70,600 Building $141,700	$282,720 (+1.67%)
2024	$3,522.00 (+5.64%)	$194,700 (+13.93%) Land $70,600 Building $124,100	$278,065
2023	$3,334.00	$170,900 Land $62,000 Building $108,900

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

Flood

FEMA maps place 51 Birch St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 51 Birch St is low, with a 0.01% annual chance of 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 751 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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