628 Miller St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,099 sqft · built 1954
Lot Size	0.542 acres (23,610 sqft)
Owner	Individual Name on File
Last Sale	$253,000 (Nov 2021)
Tax Bill	$4,464 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:025-10400 B:13 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:025-10400 B:13 L:0`
Alternative APNs	`LUDL M:25 B:10400 P:13` `5650`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,099 sqft Living Area
Gross Area	2,414 sqft
Basement Area	1,195 sqft
Unfinished Basement	1,195 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	23,610 sqft (0.542 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	5650
Street Address	628 MILLER ST
City	LUDLOW
State	MA
Zip	01056-1473
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	3
Census Block	3011
Census Tract	810414

Owner

628 Miller St is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	628 MILLER ST, LUDLOW, MA 01056-1473
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2021 · Amount on File
Deed Sale	Nov 18, 2021 · Amount on File
Prior Sale	Jul 24, 2015
Record Updated	Oct 29, 2026

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 18, 2021
Property Address	628 MILLER ST, LUDLOW, MA 01056-1473
Document Number	24254-403
Book / Page	24254 / 403
Instrument Date	Nov 18, 2021
Instrument	82232
Transaction Type	Transfer
Record Updated	Dec 10, 2021

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	933 LYON ST, LUDLOW, MA 01056-1163

Mortgage

Document Number	82233
Date	Nov 18, 2021
Instrument	82233

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 628 Miller St was $4,464, up 0.9% 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	$4,464.00 (+0.93%)	$278,800 (+9.38%) Land $90,500 Building $188,300	$311,914 (-1.82%)
2025	$4,423.00 (+4.22%)	$254,900 (+8.65%) Land $82,300 Building $172,600	$317,680 (+0.6%)
2024	$4,244.00 (+6.47%)	$234,600 (+14.83%) Land $83,400 Building $151,200	$315,780
2023	$3,986.00	$204,300 Land $73,200 Building $131,100

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

Flood

FEMA maps place 628 Miller St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · 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 628 Miller 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	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

Nearby Properties on Miller St

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