68 Franklin St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 68 Franklin St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,247 sqft · built 1954
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2021)
Tax Bill	$6,173 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:14B-05800 B:281 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:14B-05800 B:281 L:0`
Alternative APNs	`LUDL M:14B B:5800 P:281` `3306`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,247 sqft Living Area
Gross Area	2,041 sqft
Basement Area	680 sqft
Unfinished Basement	680 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1978
Architectural Style	Conventional
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,017 sqft (0.207 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3306
Street Address	68 FRANKLIN ST
City	LUDLOW
State	MA
Zip	01056-3511
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES B
Legal Block	5800
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3004
Census Tract	810403

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	68 FRANKLIN ST, LUDLOW, MA 01056-3511
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage
Aug 31, 2021	Quit Claim Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 30, 2020	Fiduciary Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2021 · Amount on Record
Deed Sale	Aug 31, 2021 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	202161383
Deed Book / Page	24093 / 458
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 10, 2026
Property Address	68 FRANKLIN ST, LUDLOW, MA 01056-3511
Document Number	026285-272
Book / Page	26285 / 272
Instrument Date	Mar 30, 2026
Instrument	202615383
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 FRANKLIN ST, LUDLOW, MA 01056-3511

Mortgage

Document Number	0000015383,
Date	Apr 10, 2026
Book Page	26285/272
Instrument	202615383

Lender

Agreement

Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	5.98%
Max Rate	-1%

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 31, 2021
Property Address	68 FRANKLIN ST, LUDLOW, MA 01056-3511
Document Number	24093-458
Book / Page	24093 / 458
Instrument Date	Aug 31, 2021
Instrument	61383
Transaction Type	Transfer
Record Updated	Sep 17, 2021

Transaction

Amount	Amount Recorded
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	227 GIFFORD ST, SPRINGFIELD, MA 01118-2103

Mortgage

Document Number	61384
Date	Aug 31, 2021
Instrument	61384

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

October 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 30, 2020
Property Address	68 FRANKLIN ST, LUDLOW, MA 01056-3511
Document Number	23507-511
Book / Page	023507 / 000511
Instrument Date	Oct 29, 2020
Instrument	63812
Transaction Type	Transfer
Record Updated	Nov 17, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$442.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 KENWAY DR SPRINGFIELD MA 011041622, SPRINGFIELD, MA 01104-1622

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	Assessed Market Value
2026	$6,173.00 (+3.85%)	$385,600 (+12.55%) Land $80,600 Building $305,000	$312,035 (+5.51%)
2025	$5,944.00 (+5.58%)	$342,600 (+10.09%) Land $73,300 Building $269,300	$295,735 (+13.45%)
2024	$5,630.00 (+6.69%)	$311,200 (+15.05%) Land $73,300 Building $237,900	$260,680
2023	$5,277.00	$270,500 Land $64,300 Building $206,200

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

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	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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