56 John St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 56 John St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,176 sqft · built 1949
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Jun 2022)
Tax Bill	$4,555 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:16B-07900 B:25 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16B-07900 B:25 L:0`
Alternative APNs	`LUDL M:16B B:7900 P:25` `4553`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,176 sqft Living Area
Gross Area	2,448 sqft
Basement Area	816 sqft
Unfinished Basement	816 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1976
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	4553
Street Address	56 JOHN ST
City	LUDLOW
State	MA
Zip	01056-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	CHAPIN STREET
Legal Block	7900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1011
Census Tract	810412

Owner

56 John St is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	56 JOHN ST, LUDLOW, MA 01056-2007
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 3, 2022	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2022 · Amount on File
Deed Sale	Jun 3, 2022 · Amount on File
Prior Sale	Aug 18, 2006 · Amount on File
Deed Document Number	202233758
Deed Book / Page	24577 / 196
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	56 JOHN ST, LUDLOW, MA 01056-2007
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026208-536
Date	Feb 4, 2026
Book Page	26208/536
Instrument	4941

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount on Record
Term	313 Months
Due	Mar 1, 2052

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 3, 2022
Property Address	56 JOHN ST, LUDLOW, MA 01056-2007
Document Number	024577-196
Book / Page	24577 / 196
Instrument Date	Jun 3, 2022
Instrument	33758
Transaction Type	Transfer
Record Updated	Jun 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 STIRLING DR, WILBRAHAM, MA 01095-1926

Mortgage

Document Number	0000033759
Date	Jun 3, 2022
Instrument	33759

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 56 John St was $4,555, down 2.2% 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	$4,555.00 (-2.19%)	$284,500 (+6%) Land $89,500 Building $195,000	$307,993 (-8.7%)
2025	$4,657.00 (+3.4%)	$268,400 (+7.79%) Land $81,400 Building $187,000	$337,345 (+3.08%)
2024	$4,504.00 (+23.33%)	$249,000 (+33.01%) Land $81,400 Building $167,600	$327,275
2023	$3,652.00	$187,200 Land $71,400 Building $115,800

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

Flood

FEMA maps place 56 John St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 56 John 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.

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 213 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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