Ludlow Town property record for 646 Commonwealth Ave, Ludlow, VT 05149
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,680 sqft · built 1996 |
| Lot Size | 1.98 acres (86,249 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,921 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 363-112-10305 |
| Primary APN | 363-112-10305 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 3,504 sqft |
| Basement Area | 960 sqft |
| Unfinished Basement | 960 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Cape Cod |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 86,249 sqft (1.98 acres) |
| Garage Type | Detached |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 646 COMMONWEALTH AVE |
|---|---|
| City | LUDLOW |
| State | VT |
| Zip | 05149-9762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMMONWEALTH AVE 646 ONE FAMILY |
| Jurisdiction | LUDLOW VT |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 966300 |
Source: Ludlow Town records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 646 COMMONWEALTH AVE, LUDLOW, VT 05149-9762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Ludlow Town assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Vermont |
| County | Windsor County |
| County Subdivision | Ludlow Town |
| Elementary School District | Ludlow Mt. Holly Unified Union School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $5,921.00 (-5.81%) | $298,500 Land $83,400 Building $215,100 |
| 2024 | $6,286.00 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective April 13, 2021 · 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 |
| Flood Insurance Cost | Premium on Record median of 25 policies |
| Nearby Flood Policies | 25 in force |
| Nearby Flood Claims | 16 (2011–2024) |
| Claims Outside the SFHA | 1 of 16 |
| Most Recent Claim | Aug 2024 · Tropical Depression Debby |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 52% of Vermont |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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