623 Miller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 623 Miller St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,649 sqft · built 1960
Lot Size	0.454 acres (19,776 sqft)
Owner	Individual Name on Record
Last Sale	$335,000 (Feb 2025)
Tax Bill	$4,814 (2026)
Deeds & Mortgages	Feb 2024 Foreclosure Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:025-10400 B:46 L:1`

Property Details

APN / Parcel Number

Primary APN	`M:025-10400 B:46 L:1`
Alternative APNs	`LUDL M:25 B:10400 P:46 E:1` `5757`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,649 sqft Living Area
Gross Area	3,036 sqft
Basement Area	1,012 sqft
Unfinished Basement	1,012 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,776 sqft (0.454 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5757
Street Address	623 MILLER ST
City	LUDLOW
State	MA
Zip	01056-1456
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	10400
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2009
Census Tract	810414

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	623 MILLER ST, LUDLOW, MA 01056-1456
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Foreclosure
Oct 25, 2017	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2025 · Amount on Record
Deed Sale	Feb 6, 2025 · Amount on Record
Prior Sale	Feb 2, 2024 · Amount on Record
Prior Transfer Date	Feb 4, 2025
Prior Transfer Doc	0000238877
Record Updated	Oct 29, 2026

February 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	LUDLOW MA
Recording Date	Feb 2, 2024
Property Address	623 MILLER ST, LUDLOW, MA 01056-1456
Document Number	0000235846
Instrument Date	Jan 26, 2024
Instrument	235846
Transaction Type	Foreclosure
Record Updated	Feb 16, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4425 PONCE DE LEON BLVD # 3S5-2, 3S5-2, CORAL GABLES, FL 33146-1837

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 25, 2017
Property Address	623 MILLER ST, LUDLOW, MA 01056-1456
Document Number	0000212420
Instrument	212420
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29.63
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 MILLER ST, LUDLOW, MA 01056-1456

Mortgage

Date	Oct 25, 2017

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 25, 2047

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	$4,814.00 (+3.95%)	$300,700 (+12.66%) Land $88,800 Building $211,900	$354,051 (+11.18%)
2025	$4,631.00 (+4.7%)	$266,900 (+9.16%) Land $80,700 Building $186,200	$318,440 (-4.56%)
2024	$4,423.00 (+5.11%)	$244,500 (+13.35%) Land $80,800 Building $163,700	$333,640
2023	$4,208.00	$215,700 Land $70,900 Building $144,800

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	2 in force

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: GoNetspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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