7 Circuit Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 7 Circuit Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1964
Lot Size	0.255 acres (11,108 sqft)
Owner	2 Individual Names on File
Last Sale	$82,000 (Apr 1993)
Tax Bill	$3,871 (2026)
Deeds & Mortgages	Feb 2021 Refinance Feb 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:030-04050 B:8 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:030-04050 B:8 L:0`
Alternative APNs	`LUDL M:30 B:4050 P:8` `2339`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,920 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,108 sqft (0.255 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	2339
Street Address	7 CIRCUIT AVE
City	LUDLOW
State	MA
Zip	01056-3205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4050
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1003
Census Tract	810404

Owner

7 Circuit Ave is owned and occupied by two individuals who bought it in April 1993.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 CIRCUIT AVE, LUDLOW, MA 01056-3205
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOBACCO VALLEY TEACHERS FED CREDIT UNION
Feb 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance TOBACCO VALLEY TEACHERS FED CREDIT UNION
Jun 16, 2017	Deed of Trust, Mortgage TOBACCO VALLEY TCHFCU
Aug 1, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance TOBACCO VALLEY TEACHERS FED CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 1993 · Amount on File
Deed Sale	Apr 30, 1993 · Amount on File
Prior Sale	Aug 12, 1992 · Amount on File
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 CIRCUIT AVE, LUDLOW, MA 01056-3205
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23720-44
Date	Feb 22, 2021
Book Page	23720/44
Instrument	11906

Lender

Name	TOBACCO VALLEY TEACHERS FED CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 CIRCUIT AVE, LUDLOW, MA 01056-3205
Transaction Type	Mortgage
Record Updated	Mar 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23720-3
Date	Feb 22, 2021
Book Page	23720/3
Instrument	11895

Lender

Name	TOBACCO VALLEY TEACHERS FED CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Mar 1, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 CIRCUIT AVE, LUDLOW, MA 01056-3205
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21724-364
Date	Jun 16, 2017
Book Page	21724/364
Instrument	33298

Lender

Name	TOBACCO VALLEY TCHFCU

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2027

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 CIRCUIT AVE, LUDLOW, MA 01056-3205
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22785-509
Date	Aug 1, 2019
Book Page	22785/509
Instrument	42987

Lender

Name	TOBACCO VALLEY TEACHERS FED CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 7 Circuit Ave was $3,871, up 1.2% from the year before.

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	$3,871.00 (+1.18%)	$241,800 (+9.66%) Land $94,600 Building $147,200	$274,779 (-4.89%)
2025	$3,826.00 (+3.97%)	$220,500 (+8.41%) Land $86,000 Building $134,500	$288,895 (+13.43%)
2024	$3,680.00 (+3.81%)	$203,400 (+11.94%) Land $86,000 Building $117,400	$254,695
2023	$3,545.00	$181,700 Land $78,700 Building $103,000

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

Flood

FEMA maps place 7 Circuit Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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.

Wildfire

Wildfire risk around 7 Circuit Ave 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	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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

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