57 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 57 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,100 sqft · built 1974
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on Record
Last Sale	$304,900 (Apr 2019)
Tax Bill	$7,517 (2026)
Deeds & Mortgages	Dec 2018 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:177 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:177 L:0`
Alternative APNs	`LUDL M:27A B:525 P:177` `226`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area
Gross Area	3,435 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2014
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	226
Street Address	57 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1014
Census Tract	810404

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	57 AMERICO ST, LUDLOW, MA 01056-3102
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2018	Deed of Trust, Mortgage · Balloon Mortgage WESTFIELD BANK FSB
Apr 12, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage WESTFIELD BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Jul 14, 2011 · Amount on Record
Deed Book / Page	22622 / 547
Prior Transfer Date	Apr 8, 2019
Prior Transfer Doc	22622-547
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	57 AMERICO ST, LUDLOW, MA 01056-3102
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22485-274
Date	Dec 17, 2018
Book Page	22485/274
Instrument	74658

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2044

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 12, 2019
Property Address	57 AMERICO ST, LUDLOW, MA 01056-3102
Document Number	22622-547
Book / Page	22622 / 547
Instrument Date	Apr 8, 2019
Instrument	18560
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	6D THE HAMLET, ENFIELD, CT 06082-7019

Mortgage

Document Number	18561
Date	Apr 12, 2019
Instrument	18561

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$7,517.00 (+2.47%)	$469,500 (+11.05%) Land $93,900 Building $375,600	$450,717 (-7.79%)
2025	$7,336.00 (+4.95%)	$422,800 (+9.42%) Land $85,400 Building $337,400	$488,775 (+8.45%)
2024	$6,990.00 (+11.47%)	$386,400 (+20.22%) Land $85,200 Building $301,200	$450,680
2023	$6,271.00	$321,400 Land $74,800 Building $246,600

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

Flood

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

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.

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 287 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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