Hampden County and Ludlow Town property record for 52 Posner Cir, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,632 sqft · built 1962 |
| Lot Size | 0.249 acres (10,846 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $246,900 (Nov 2019) |
| Tax Bill | $5,724 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | M:028-11750 B:17 L:0 |
| Primary APN | M:028-11750 B:17 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,632 sqft Living Area |
| Gross Area | 2,156 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,846 sqft (0.249 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 6816 |
|---|---|
| Street Address | 52 POSNER CIR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3221 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 11750 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records, as of July 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 | 52 POSNER CIR, LUDLOW, MA 01056-3221 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jul 19, 2024 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Sep 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Nov 4, 2019 | Quit Claim Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2019 · Amount on Record |
| Deed Sale | Nov 4, 2019 · Amount on Record |
| Prior Sale | Dec 11, 2015 · Amount on Record |
| Deed Document Number | 201964822 |
| Deed Book / Page | 22937 / 299 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 52 POSNER CIR, LUDLOW, MA 01056-3221 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025497-504 |
|---|---|
| Date | Jul 19, 2024 |
| Book Page | 25497/504 |
| Instrument | 32137 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 52 POSNER CIR, LUDLOW, MA 01056-3221 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024118-228 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 24118/228 |
| Instrument | 64427 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Nov 4, 2019 |
| Property Address | 52 POSNER CIR, LUDLOW, MA 01056-3221 |
| Document Number | 22937-299 |
| Book / Page | 22937 / 299 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 64822 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 669 AMOSTOWN RD, WEST SPRINGFIELD, MA 01089-4370 |
| Document Number | 64823 |
|---|---|
| Date | Nov 4, 2019 |
| Instrument | 64823 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
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 |
|---|---|---|---|
| 2025 | $5,724.00 (+2.34%) | $329,900 (+6.69%) Land $85,800 Building $244,100 | $375,820 (+4.11%) |
| 2024 | $5,593.00 (+3.08%) | $309,200 (+11.18%) Land $85,800 Building $223,400 | $361,000 |
| 2023 | $5,426.00 | $278,100 Land $78,500 Building $199,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1996–2011) |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
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.
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 115 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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