628 Fuller St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 628 Fuller St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 2008
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Jul 2010)
Tax Bill	$7,044 (2026)
Deeds & Mortgages	May 2026 Line of Credit Dec 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:008-05850 B:37 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:008-05850 B:37 L:0`
Alternative APNs	`LUDL M:8 B:5850 P:37` `3382`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	4,740 sqft
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3382
Street Address	628 FULLER ST
City	LUDLOW
State	MA
Zip	01056-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	5850
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2001
Census Tract	810414

Owner

628 Fuller St is owned and occupied by an individual who bought it in July 2010.

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

Owner of Record	Individual Name on File
Mailing Address	628 FULLER ST, LUDLOW, MA 01056-1311
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
May 12, 2026	Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CREDIT UNION
Dec 18, 2018	Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU
Oct 9, 2018	Deed of Trust, Mortgage · Closed-End Mortgage POLISH NATIONAL CU
Sep 18, 2019	Deed of Trust, Mortgage · Balloon Mortgage POLISH NATIONAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2010 · Amount on File
Deed Sale	Jul 30, 2010 · Amount on File
Prior Sale	Feb 5, 2008 · Amount on File
Deed Document Number	201044749
Deed Book / Page	18392 / 19
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	May 12, 2026
Property Address	628 FULLER ST, LUDLOW, MA 01056-1311
Document Number	0026328-51
Book / Page	26328 / 51
Instrument Date	May 7, 2026
Instrument	202620924
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 FULLER ST, LUDLOW, MA 01056-1311

Mortgage

Document Number	0000020924,
Date	May 12, 2026
Book Page	26328/51
Instrument	202620924

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	628 FULLER ST, LUDLOW, MA 01056-1311
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22487-499
Date	Dec 18, 2018
Book Page	22487/499
Instrument	74958

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	628 FULLER ST, LUDLOW, MA 01056-1311
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22392-460
Date	Oct 9, 2018
Book Page	22392/460
Instrument	60261

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	628 FULLER ST, LUDLOW, MA 01056-1311
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22858-90
Date	Sep 18, 2019
Book Page	22858/90
Instrument	53600

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 628 Fuller St was $7,044, down 0.1% 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	$7,044.00 (-0.13%)	$440,000 (+8.24%) Land $96,200 Building $343,800	$426,237 (+19.61%)
2025	$7,053.00 (+0.54%)	$406,500 (+4.82%) Land $87,500 Building $319,000	$356,345 (+3.59%)
2024	$7,015.00 (+4.16%)	$387,800 (+12.34%) Land $87,500 Building $300,300	$343,995
2023	$6,735.00	$345,200 Land $76,800 Building $268,400

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

Flood

FEMA maps place 628 Fuller St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 628 Fuller 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	SOUTH HADLEY FD #1 (MWRA) serves 14,800 people · EPA ID MA1275000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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