59 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 59 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1915
Lot Size	0.115 acres (5,009 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Mar 2026)
Tax Bill	$4,167 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:347 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:347 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:347` `6943`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,352 sqft Living Area
Gross Area	2,992 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6943
Street Address	59 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	11950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2015
Census Tract	810403

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	Individual Name on Record
Mailing Address	4 PIPIT DR, CHICOPEE, MA 01020-4894
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 31, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 6, 2023	Redemption Deed, Transfer
Sep 14, 2018	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Aug 26, 2014
Deed Document Number	202613653
Deed Book / Page	26272 / 588
Prior Transfer Date	Mar 24, 2026
Prior Transfer Doc	026272-588
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	59 PROSPECT ST, LUDLOW, MA 01056-2830
Transaction Type	Mortgage
Record Updated	Apr 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0024896-52
Date	Jan 31, 2023
Book Page	24896/52
Instrument	5082

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2051

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 31, 2026
Property Address	59 PROSPECT ST, LUDLOW, MA 01056-2830
Document Number	026272-588
Book / Page	26272 / 588
Instrument Date	Mar 24, 2026
Instrument	13653
Transaction Type	Transfer
Record Updated	Apr 22, 2026

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	4 PIPIT DR, CHICOPEE, MA 01020-4894

Mortgage

Document Number	0000013654
Date	Mar 31, 2026
Instrument	13654

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

March 2023: Redemption Deed, Transfer

Document Type	Redemption Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 6, 2023
Property Address	59 PROSPECT ST, LUDLOW, MA 01056-2830
Document Number	0024928-15
Book / Page	24928 / 15
Instrument Date	Mar 1, 2023
Instrument	10059
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	59 PROSPECT ST, LUDLOW, MA 01056-2830
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22358-329
Date	Sep 14, 2018
Book Page	22358/329
Instrument	55162

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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	$4,167.00 (+2.91%)	$260,300 (+11.53%) Land $77,600 Building $182,700	$268,296 (-15.52%)
2025	$4,049.00 (+3.87%)	$233,400 (+8.31%) Land $70,600 Building $162,800	$317,585 (+5.46%)
2024	$3,898.00 (+5.72%)	$215,500 (+14.02%) Land $70,500 Building $145,000	$301,150
2023	$3,687.00	$189,000 Land $61,900 Building $127,100

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

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

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 751 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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