Hampden County and Ludlow Town property record for 53 Lawrence St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,296 sqft · built 1951 |
| Lot Size | 0.233 acres (10,149 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Aug 2020) |
| Tax Bill | $6,284 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-08650 B:36 L:0 |
| Primary APN | M:15D-08650 B:36 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,296 sqft Living Area |
| Gross Area | 4,824 sqft |
| Basement Area | 1,296 sqft |
| Unfinished Basement | 1,296 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,149 sqft (0.233 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 4950 |
|---|---|
| Street Address | 53 LAWRENCE ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3615 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A- |
| Legal Subdivision | COUNTRY CLUB ACRES |
| Legal Block | 8650 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 810403 |
53 Lawrence St is owned and occupied by two individuals who bought it in August 2020.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 53 LAWRENCE ST, LUDLOW, MA 01056-3615 |
| 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.
| Date | Document |
|---|---|
| Nov 19, 2025 | Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 20, 2023 | Deed of Trust, Mortgage · VA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Aug 28, 2020 | Quit Claim Deed, Transfer · FHA Mortgage NORCOM MORTGAGE |
| Jan 24, 2018 | Deed of Trust, Mortgage · Conventional Mortgage LUSO FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on File |
| Deed Sale | Aug 28, 2020 · Amount on File |
| Prior Sale | Dec 21, 2010 · Amount on File |
| Deed Document Number | 202048173 |
| Deed Book / Page | 23391 / 357 |
| Prior Transfer Date | Aug 25, 2020 |
| Prior Transfer Doc | 23391-357 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 53 LAWRENCE ST, LUDLOW, MA 01056-3615 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|
| Document Number | 026118-186 |
|---|---|
| Date | Nov 19, 2025 |
| Book Page | 26118/186 |
| Instrument | 55691 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 301 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 53 LAWRENCE ST, LUDLOW, MA 01056-3615 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025233-486 |
|---|---|
| Date | Nov 20, 2023 |
| Book Page | 25233/486 |
| Instrument | 55337 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Dec 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 28, 2020 |
| Property Address | 53 LAWRENCE ST, LUDLOW, MA 01056-3615 |
| Document Number | 23391-357 |
| Book / Page | 23391 / 357 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 48173 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| 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 | 85 OAK ST, LUDLOW, MA 01056-2435 |
| Document Number | 48174 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 48174 |
| Name | NORCOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 53 LAWRENCE ST, LUDLOW, MA 01056-3615 |
| Document Number | 22043-24 |
| Book / Page | 022043 / 000024 |
| Instrument Date | Jan 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2018 |
| Name | Verified Name |
|---|
| Document Number | 22043-24 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | 022043/000024 |
| Instrument | 5085 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
The 2026 property tax bill for 53 Lawrence St was $6,284, down 0.1% 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 | $6,284.00 (-0.06%) | $392,500 (+8.31%) Land $89,700 Building $302,800 | $373,688 (+5.18%) |
| 2025 | $6,288.00 (+5.27%) | $362,400 (+9.75%) Land $81,500 Building $280,900 | $355,300 (+1%) |
| 2024 | $5,973.00 (+5.87%) | $330,200 (+14.18%) Land $81,500 Building $248,700 | $351,785 |
| 2023 | $5,642.00 | $289,200 Land $71,500 Building $217,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 53 Lawrence 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 risk around 53 Lawrence 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 123 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 |
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