Hampden County and Ludlow Town property record for 55 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 660 sqft · built 1954 |
| Lot Size | 0.126 acres (5,489 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Jul 2021) |
| Tax Bill | $3,578 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:179 L:0 |
| Primary APN | M:15D-12300 B:179 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 660 sqft Living Area |
| Gross Area | 2,773 sqft |
| Basement Area | 528 sqft |
| Unfinished Basement | 528 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| 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 | 7009 |
|---|---|
| Street Address | 55 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 810404 |
55 Ray St is owned and occupied by two individuals who acquired it in May 2024.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 55 RAY ST, LUDLOW, MA 01056-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2021 · Amount on File |
| Deed Sale | Jul 30, 2021 · Amount on File |
| Prior Sale | Oct 29, 2009 · Amount on File |
| Last Transfer Date | May 16, 2024 |
| Transfer Doc | 025424-167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jul 30, 2021 |
| Property Address | 55 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 024032-416 |
| Book / Page | 24032 / 416 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 53400 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount 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 | 55 RAY ST, LUDLOW, MA 01056-2921 |
| Document Number | 0000053401 |
|---|---|
| Date | Jul 30, 2021 |
| Instrument | 53401 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Number | 024032-436 |
|---|---|
| Date | Jul 30, 2021 |
| Book Page | 24032/436 |
| Instrument | 53402 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2036 |
The 2026 property tax bill for 55 Ray St was $3,578, up 0.4% 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 | $3,578.00 (+0.45%) | $223,500 (+8.87%) Land $85,800 Building $137,700 | $244,490 (-8.05%) |
| 2025 | $3,562.00 (+1.86%) | $205,300 (+6.21%) Land $78,000 Building $127,300 | $265,905 (+16.24%) |
| 2024 | $3,497.00 (+7.34%) | $193,300 (+15.75%) Land $78,000 Building $115,300 | $228,760 |
| 2023 | $3,258.00 | $167,000 Land $68,400 Building $98,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 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 55 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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