664 Center St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 664 Center St, Ludlow, MA 01056

Property Summary

Property Type	Commercial
Details	2 bd · 1.5 ba · 1,330 sqft · built 1990
Lot Size	1 acres (43,560 sqft)
Owner	Company Name on File
Last Sale	$122,500 (Mar 2012)
Tax Bill	$8,965 (2025)
Deeds & Mortgages	Oct 2017 Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:16C-03550 B:12 L:6`

Property Details

APN / Parcel Number

Primary APN	`M:16C-03550 B:12 L:6`
Alternative APNs	`LUDL M:16C B:3550 P:12 E:6` `1512`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,330 sqft Total Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1512
Street Address	664 CENTER ST
City	LUDLOW
State	MA
Zip	01056-2790
Property Category	Commercial
Property Type	Commercial > Retail
Legal Block	3550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2012
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	113 CEDAR ST, LUDLOW, MA 01056-2937
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage WESTFIELD BANK
Jan 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 2, 2012 · Amount on Record
Deed Sale	Mar 2, 2012 · Amount on Record
Prior Sale	May 6, 2011
Deed Document Number	20121
Deed Book / Page	19147 / 217
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	664 CENTER ST, LUDLOW, MA 01056-2790
Transaction Type	Mortgage
Record Updated	Mar 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21908-393
Date	Oct 19, 2017
Book Page	21908/393
Instrument	61924

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 11, 2019
Property Address	664 CENTER ST, LUDLOW, MA 01056-2790
Document Number	22519-490
Book / Page	022519 / 000490
Instrument Date	Jan 9, 2019
Instrument	82
Transaction Type	Transfer
Record Updated	Jan 29, 2019

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	664 CENTER ST LUDLOW MA 010562790, LUDLOW, MA 01056-2790

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
2025	$8,965.00 (-2.92%)	$516,700 (+1.21%) Land $130,100 Building $386,600
2024	$9,235.00 (+1.45%)	$510,500 (+9.41%) Land $123,900 Building $386,600
2023	$9,103.00	$466,600 Land $112,600 Building $354,000

Assessed value is set for property tax purposes and is not a market price estimate.

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	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile USA, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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