Hampden County and Ludlow Town property record for 69 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 885 sqft · built 1925 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $86,000 (Jun 1999) |
| Tax Bill | $3,778 (2026) |
| Deeds & Mortgages | Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:176 L:0 |
| Primary APN | M:15D-12300 B:176 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 885 sqft Living Area |
| Gross Area | 2,904 sqft |
| Basement Area | 840 sqft |
| Unfinished Basement | 840 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7006 |
|---|---|
| Street Address | 69 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 12300 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 810404 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 69 RAY ST, LUDLOW, MA 01056-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 1999 · Amount on File |
| Deed Sale | Jun 11, 1999 · Amount on File |
| Prior Sale | Mar 25, 1988 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 69 RAY ST, LUDLOW, MA 01056-2921 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024629-96 |
|---|---|
| Date | Jul 7, 2022 |
| Book Page | 24629/96 |
| Instrument | 41199 |
| Name | PIONEER VALLEY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
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 | $3,778.00 (+0.27%) | $236,000 (+8.66%) Land $85,400 Building $150,600 | $261,898 (-1.12%) |
| 2025 | $3,768.00 (+3.2%) | $217,200 (+7.63%) Land $77,600 Building $139,600 | $264,860 (+15.25%) |
| 2024 | $3,651.00 (+6.88%) | $201,800 (+15.25%) Land $77,600 Building $124,200 | $229,805 |
| 2023 | $3,416.00 | $175,100 Land $68,100 Building $107,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 2 (1996–2011) |
| Most Recent Claim | Mar 2011 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 278 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 |
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