Hampden County and Ludlow Town property record for 54 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 912 sqft · built 1967 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,332 (2026) |
| Deeds & Mortgages | Dec 2021 Transfer Aug 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:169 L:0 |
| Primary APN | M:15D-12300 B:169 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Gross Area | 2,096 sqft |
| Basement Area | 912 sqft |
| Unfinished Basement | 912 sqft |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,489 sqft (0.126 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 6998 |
|---|---|
| Street Address | 54 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2920 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Subdivision | PLAN 36431-A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 810404 |
54 Ray St is owned and occupied by two individuals who acquired it in December 2021.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 RAY ST, LUDLOW, MA 01056-2920 |
| 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 |
|---|---|
| Dec 30, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Aug 14, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2007 |
| Deed Sale | Sep 5, 2007 |
| Prior Sale | May 25, 1994 · Amount on File |
| Last Transfer Date | Dec 8, 2021 |
| Transfer Doc | 0000229034 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Dec 30, 2021 |
| Property Address | 54 RAY ST, LUDLOW, MA 01056-2920 |
| Document Number | 0000229034 |
| Instrument Date | Dec 8, 2021 |
| Instrument | 229034 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 54 RAY ST, LUDLOW, MA 01056-2920 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 14, 2017 |
| Property Address | 54 RAY ST, LUDLOW, MA 01056-2920 |
| Document Number | 0000211646 |
| Instrument Date | Aug 4, 2017 |
| Instrument | 211646 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4 BELLAIRE ST WESTERLY RI 028913404, WESTERLY, RI 02891-3404 |
The 2026 property tax bill for 54 Ray St was $3,332, down 0.2% 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 | $3,332.00 (-0.24%) | $208,100 (+8.1%) Land $85,800 Building $122,300 | $229,193 (-6.02%) |
| 2025 | $3,340.00 (+1.67%) | $192,500 (+6%) Land $78,000 Building $114,500 | $243,865 (+20.18%) |
| 2024 | $3,285.00 (+5.63%) | $181,600 (+13.93%) Land $78,000 Building $103,600 | $202,920 |
| 2023 | $3,110.00 | $159,400 Land $68,400 Building $91,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 54 Ray St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.
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 |
|---|---|
| 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.
Wildfire risk around 54 Ray 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 278 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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