54 Howard St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 54 Howard St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,447 sqft · built 1900
Lot Size	0.185 acres (8,059 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Aug 2018)
Tax Bill	$4,622 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:12D-07450 B:139 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12D-07450 B:139 L:0`
Alternative APNs	`LUDL M:12D B:7450 P:139` `4349`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,447 sqft Living Area
Gross Area	3,102 sqft
Basement Area	782 sqft
Unfinished Basement	782 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,059 sqft (0.185 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	4349
Street Address	54 HOWARD ST
City	LUDLOW
State	MA
Zip	01056-2748
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	7450
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1018
Census Tract	810403

Owner

54 Howard St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	54 HOWARD ST, LUDLOW, MA 01056-2748
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 23, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 24, 2018	Quit Claim Deed, Transfer · FHA Mortgage NORWICH COM'L
Jul 25, 2017	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2018 · Amount on File
Deed Sale	Aug 24, 2018 · Amount on File
Prior Sale	Jul 25, 2017 · Amount on File
Deed Book / Page	22328 / 293
Transfer Doc	022328-293
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	54 HOWARD ST, LUDLOW, MA 01056-2748
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23608-102
Date	Dec 23, 2020
Book Page	23608/102
Instrument	77507

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2048

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 24, 2018
Property Address	54 HOWARD ST, LUDLOW, MA 01056-2748
Document Number	22328-293
Book / Page	022328 / 000293
Instrument Date	Aug 18, 2018
Instrument	50486
Transaction Type	Transfer
Record Updated	Sep 12, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 FRONT ST CHICOPEE MA 010133146, CHICOPEE, MA 01013-3146

Mortgage

Document Number	22328-295
Date	Aug 24, 2018
Book Page	022328/000295
Instrument	50487

Lender

Name	NORWICH COM'L

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2048

July 2017: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 25, 2017
Property Address	54 HOWARD ST, LUDLOW, MA 01056-2748
Document Number	21779-383
Book / Page	021779 / 000383
Instrument Date	Jul 25, 2017
Instrument	41990
Transaction Type	Transfer
Record Updated	Aug 15, 2017

Transaction

Amount	Amount on Record
Tax	$451.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 MAPLE ST EAST LONGMEADOW MA 010282721, EAST LONGMEADOW, MA 01028-2721

Tax Assessment & Valuation

The 2026 property tax bill for 54 Howard St was $4,622, up 2.7% 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	$4,622.00 (+2.73%)	$288,700 (+11.34%) Land $79,900 Building $208,800	$317,697 (+8.23%)
2025	$4,499.00 (+3.76%)	$259,300 (+8.18%) Land $72,700 Building $186,600	$293,550 (+17%)
2024	$4,336.00 (+4.94%)	$239,700 (+13.17%) Land $72,600 Building $167,100	$250,895
2023	$4,132.00	$211,800 Land $63,800 Building $148,000

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

Flood

FEMA maps place 54 Howard 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

Wildfire risk around 54 Howard 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 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 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.

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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