Hampden County and Ludlow Town property record for 51 Roy St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,356 sqft · built 1964 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $125,000 (Oct 1991) |
| Tax Bill | $5,112 (2026) |
| Deeds & Mortgages | Aug 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:02D-13150 B:86 L:0 |
| Primary APN | M:02D-13150 B:86 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,356 sqft Living Area |
| Gross Area | 5,190 sqft |
| Basement Area | 1,356 sqft |
| Unfinished Basement | 1,356 sqft |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,521 sqft (0.517 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 7238 |
|---|---|
| Street Address | 51 ROY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1735 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 13150 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810412 |
51 Roy St is owned and occupied by two individuals who bought it in October 1991.
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 File |
|---|---|
| Mailing Address | 51 ROY ST, LUDLOW, MA 01056-1735 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 1991 · Amount on File |
| Deed Sale | Oct 23, 1991 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 23, 2022 |
| Property Address | 51 ROY ST, LUDLOW, MA 01056-1735 |
| Document Number | 024693-548 |
| Book / Page | 24693 / 548 |
| Instrument Date | Aug 23, 2022 |
| Instrument | 51009 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 51 ROY ST, LUDLOW, MA 01056-1735 |
The 2026 property tax bill for 51 Roy St was $5,112, down 0.5% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,112.00 (-0.53%) | $319,300 (+7.8%) Land $90,100 Building $229,200 | $326,640 (-12.69%) |
| 2025 | $5,139.00 (+3.48%) | $296,200 (+7.91%) Land $81,900 Building $214,300 | $374,110 (+16.03%) |
| 2024 | $4,966.00 (+4.37%) | $274,500 (+12.55%) Land $82,700 Building $191,800 | $322,430 |
| 2023 | $4,758.00 | $243,900 Land $72,500 Building $171,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 Roy St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 51 Roy 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Crossroads Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 50 |
May also be available: GoNetspeed, T-Mobile, Verizon.
5G and 4G LTE (outdoors only)
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