Hampden County and Ludlow Town property record for 54 Higher St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 978 sqft · built 1956 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Aug 2011) |
| Tax Bill | $4,159 (2026) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:16D-06900 B:60 L:0 |
| Primary APN | M:16D-06900 B:60 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 978 sqft Living Area |
| Gross Area | 2,380 sqft |
| Basement Area | 978 sqft |
| Unfinished Basement | 978 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 39,204 sqft (0.9 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4000 |
|---|---|
| Street Address | 54 HIGHER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2525 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 6900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 810414 |
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 54 HIGHER ST, LUDLOW, MA 01056-2525 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2011 · Amount on Record |
| Deed Sale | Aug 24, 2011 · Amount on Record |
| Prior Sale | Jul 22, 2011 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 54 HIGHER ST, LUDLOW, MA 01056-2525 |
| Document Number | 21962-521 |
| Book / Page | 021962 / 000521 |
| Instrument Date | Nov 15, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | 21962-521 |
|---|---|
| Date | Nov 29, 2017 |
| Book Page | 021962/000521 |
| Instrument | 70325 |
| Name | FREEDOM CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2047 |
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 | $4,159.00 (+0.34%) | $259,800 (+8.75%) Land $98,500 Building $161,300 | $286,930 (+8.22%) |
| 2025 | $4,145.00 (+3.5%) | $238,900 (+7.9%) Land $89,500 Building $149,400 | $265,145 (+3.26%) |
| 2024 | $4,005.00 (+8.95%) | $221,400 (+17.52%) Land $89,500 Building $131,900 | $256,785 |
| 2023 | $3,676.00 | $188,400 Land $74,400 Building $114,000 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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