52 Joy St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 52 Joy St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,124 sqft · built 1946
Lot Size	0.226 acres (9,845 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2023)
Tax Bill	$5,030 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:12D-07950 B:75A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12D-07950 B:75A L:0`
Alternative APNs	`LUDL M:12D B:7950 P:75A` `4565`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,124 sqft Living Area
Gross Area	3,439 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,845 sqft (0.226 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4565
Street Address	52 JOY ST
City	LUDLOW
State	MA
Zip	01056-2164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	7950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1016
Census Tract	810403

Owner

52 Joy St is owned and occupied by an individual who bought it in December 2023.

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

Owner of Record	Individual Name on File
Mailing Address	52 JOY ST, LUDLOW, MA 01056-2164
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
Dec 18, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE
Feb 8, 2018	Deed of Trust, Mortgage · FHA Mortgage CITIZENS BK/RI
Sep 8, 2017	Quit Claim Deed, Transfer
Jun 13, 2017	Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Prior Sale	Sep 8, 2017 · Amount on File
Deed Book / Page	25264 / 100
Record Updated	Oct 29, 2026

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 18, 2023
Property Address	52 JOY ST, LUDLOW, MA 01056-2164
Document Number	025264-100
Book / Page	25264 / 100
Instrument Date	Dec 18, 2023
Instrument	60084
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
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	152 CENTER ST, LUDLOW, MA 01056-2860

Mortgage

Document Number	0000060085
Date	Dec 18, 2023
Instrument	60085

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	52 JOY ST, LUDLOW, MA 01056-2164
Document Number	22055-244
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Feb 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22055-244
Date	Feb 8, 2018
Book Page	022055/000244
Instrument	7159

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2048

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 8, 2017
Property Address	52 JOY ST, LUDLOW, MA 01056-2164
Document Number	21850-276
Book / Page	021850 / 000276
Instrument Date	Aug 16, 2017
Instrument	52880
Transaction Type	Transfer
Record Updated	Sep 26, 2017

Transaction

Amount	Amount on Record
Tax	$483.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	444A N MAIN ST EAST LONGMEADOW MA 010281812, EAST LONGMEADOW, MA 01028-1812

June 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	LUDLOW MA
Recording Date	Jun 13, 2017
Property Address	52 JOY ST, LUDLOW, MA 01056-2164
Document Number	21720-73
Book / Page	021720 / 000073
Instrument Date	Feb 8, 2017
Instrument	32600
Transaction Type	Foreclosure
Record Updated	Jul 4, 2017

Transaction

Amount	Amount on Record
Tax	$545.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	52 JOY ST LUDLOW MA 010562164, LUDLOW, MA 01056-2164
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 52 Joy St was $5,030, up 2.4% 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	$5,030.00 (+2.44%)	$314,200 (+11.02%) Land $81,300 Building $232,900	$320,693 (+2.86%)
2025	$4,910.00 (+15.88%)	$283,000 (+20.84%) Land $73,900 Building $209,100	$311,790 (+6.87%)
2024	$4,237.00 (+6.24%)	$234,200 (+14.58%) Land $73,900 Building $160,300	$291,745
2023	$3,988.00	$204,400 Land $64,800 Building $139,600

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

Flood

FEMA maps place 52 Joy 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

Wildfire risk around 52 Joy St is low, with less than 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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