64 Prospect St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 64 Prospect St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,258 sqft · built 1917
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$156,500 (Aug 2018)
Tax Bill	$4,691 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:15A-11950 B:314 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15A-11950 B:314 L:0`
Alternative APNs	`LUDL M:15A B:11950 P:314` `6927`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,258 sqft Living Area
Gross Area	4,550 sqft
Basement Area	1,230 sqft
Unfinished Basement	1,230 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	6927
Street Address	64 PROSPECT ST
City	LUDLOW
State	MA
Zip	01056-2831
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	2007
Census Tract	810403

Owner

64 Prospect St is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
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
Jul 1, 2026	Deed of Trust, Mortgage · Line of Credit LUSO FEDERAL CREDIT UNION
May 6, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
May 2, 2019	Deed of Trust, Mortgage · FHA Mortgage FIRST GUARANTY MORTGAGE
Aug 6, 2018	Warranty Deed, Transfer · FHA Mortgage NORTHERN MTG
Sep 5, 2017	Grant Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Prior Sale	Sep 5, 2017
Deed Document Number	201846298
Deed Book / Page	22302 / 86
Transfer Doc	21845-253
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jul 1, 2026
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Document Number	0000030479
Book / Page	26399 / 476
Instrument Date	Jun 26, 2026
Instrument	202630479
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 PROSPECT ST, LUDLOW, MA 01056-2831

Mortgage

Document Number	0000030479,
Date	Jul 1, 2026
Book Page	26399/476
Instrument	202630479

Lender

Name	LUSO FEDERAL CREDIT UNION

Agreement

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

Interest

Rate	6.53%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023866-505
Date	May 6, 2021
Book Page	23866/505
Instrument	30902

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jun 1, 2048

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Transaction Type	Mortgage
Record Updated	Sep 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024447-515
Date	Mar 14, 2022
Book Page	24447/515
Instrument	15449

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	022649-437
Date	May 2, 2019
Book Page	22649/437
Instrument	22625

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 6, 2018
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Document Number	22302-86
Book / Page	22302 / 86
Instrument	46298
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.04
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 PROSPECT ST, LUDLOW, MA 01056-2831

Mortgage

Document Number	223020088
Date	Aug 6, 2018
Instrument	22302/0088

Lender

Name	NORTHERN MTG

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2048

September 2017: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 5, 2017
Property Address	64 PROSPECT ST, LUDLOW, MA 01056-2831
Document Number	21845-253
Book / Page	021845 / 000253
Instrument Date	Jul 14, 2017
Instrument	52085
Transaction Type	Foreclosure
Record Updated	Sep 26, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14221 DALLAS PKWY #1000 DALLAS TX 752542946, 1000, DALLAS, TX 75254-2946
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 64 Prospect St was $4,691, up 3.5% 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	$4,691.00 (+3.51%)	$293,000 (+12.17%) Land $81,100 Building $211,900	$339,482 (-7.18%)
2025	$4,532.00 (+4.81%)	$261,200 (+9.29%) Land $73,700 Building $187,500	$365,750 (+5.91%)
2024	$4,324.00 (+4.29%)	$239,000 (+12.47%) Land $73,700 Building $165,300	$345,325
2023	$4,146.00	$212,500 Land $64,700 Building $147,800

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

Flood

FEMA maps place 64 Prospect St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 64 Prospect 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	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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