Hampden County and Ludlow Town property record for 549 Fuller St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,221 sqft · built 1956 |
| Lot Size | 0.932 acres (40,598 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,080 (2026) |
| Deeds & Mortgages | Jun 2026 Sale Mar 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:009-05850 B:48 L:1 |
| Primary APN | M:009-05850 B:48 L:1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,221 sqft Living Area |
| Gross Area | 3,802 sqft |
| Basement Area | 1,221 sqft |
| Unfinished Basement | 1,221 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,598 sqft (0.932 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 3409 |
|---|---|
| Street Address | 549 FULLER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Block | 5850 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 810414 |
549 Fuller St is owned and occupied by two individuals who acquired it in June 2026.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 549 FULLER ST, LUDLOW, MA 01056-1310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jun 22, 2026 | Deed, Transfer |
| Mar 20, 2018 | Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 18, 2026 |
| Transfer Doc | 0000028473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 22, 2026 |
| Property Address | 549 FULLER ST, LUDLOW, MA 01056-1310 |
| Document Number | 0000028473 |
| Book / Page | 26383 / 415 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202628473 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 549 FULLER ST, LUDLOW, MA 01056-1310 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 549 FULLER ST, LUDLOW, MA 01056-1310 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22099-102 |
|---|---|
| Date | Mar 20, 2018 |
| Book Page | 22099/102 |
| Instrument | 14153 |
| Name | WESTFIELD BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Mar 1, 2043 |
The 2026 property tax bill for 549 Fuller St was $5,080, 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 | $5,080.00 (-0.24%) | $317,300 (+8.11%) Land $104,700 Building $212,600 | $343,915 (-2.68%) |
| 2025 | $5,092.00 (+4.07%) | $293,500 (+8.5%) Land $95,200 Building $198,300 | $353,400 (+3.02%) |
| 2024 | $4,893.00 (+5.16%) | $270,500 (+13.42%) Land $95,200 Building $175,300 | $343,045 |
| 2023 | $4,653.00 | $238,500 Land $83,500 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 549 Fuller 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 549 Fuller 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 | Direct burnable vegetation |
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 | SOUTH HADLEY FD #1 (MWRA) serves 14,800 people · EPA ID MA1275000 |
|---|---|
| Water Source | Purchased surface water from MWRA |
| Last State Inspection | Jul 2025 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
4G LTE only, no 5G reported
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