Hampden County and Ludlow Town property record for 68 James St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 2,942 sqft · built 1975 |
| Lot Size | 1.07 acres (47,001 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,503 (2026) |
| Deeds & Mortgages | May 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-07800 B:73 L:0 |
| Primary APN | M:031-07800 B:73 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,942 sqft Living Area |
| Gross Area | 4,808 sqft |
| Basement Area | 1,484 sqft |
| Unfinished Basement | 1,484 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,001 sqft (1.07 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 4513 |
|---|---|
| Street Address | 68 JAMES ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1544 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 7800 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810414 |
68 James St is owned and occupied by two individuals who acquired it in May 2020.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 68 JAMES ST, LUDLOW, MA 01056-1544 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | May 13, 2020 |
| Transfer Doc | 23207-536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 13, 2020 |
| Property Address | 68 JAMES ST, LUDLOW, MA 01056-1544 |
| Document Number | 23207-536 |
| Book / Page | 023207 / 000536 |
| Instrument Date | May 13, 2020 |
| Instrument | 24175 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 8 CUNNIFF AVE MILFORD MA 017572205, MILFORD, MA 01757-2205 |
The 2026 property tax bill for 68 James St was $8,503, down 3% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,503.00 (-3.01%) | $531,100 (+5.11%) Land $101,800 Building $429,300 | $553,696 (-2.03%) |
| 2025 | $8,767.00 (+4.47%) | $505,300 (+8.92%) Land $92,500 Building $412,800 | $565,155 (+36.01%) |
| 2024 | $8,392.00 (+4.05%) | $463,900 (+12.22%) Land $92,500 Building $371,400 | $415,530 |
| 2023 | $8,065.00 | $413,400 Land $76,900 Building $336,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 68 James 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 risk around 68 James 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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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