7 Ludlow St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 7 Ludlow St, Worcester, MA 01603

Property Summary

Property Type	Triplex
Details	9 bd · 7.5 ba · 5,928 sqft · built 2005
Lot Size	0.211 acres (9,186 sqft)
Owner	2 Individual Names on Record
Last Sale	$900,000 (Jun 2021)
Tax Bill	$14,477 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-017-0003A`

Property Details

APN / Parcel Number

Primary APN	`15-017-0003A`
Alternative APN	`WORC M:15 B:017 L:0003A`

Interior

Bedrooms	9 Beds
Full Baths	7.5 Baths
Half Baths	3 Half Baths
Total Rooms	21 Rooms
Units	3 Units
Stories	2 Stories
Building Area	5,928 sqft Living Area
Gross Area	9,012 sqft
1st Floor Area	2,964 sqft
Basement Area	1,298 sqft
Unfinished Basement	1,298 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,186 sqft (0.211 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	15-017-0003A
Street Address	7 LUDLOW ST
City	WORCESTER
State	MA
Zip	01603-1120
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	RL-7
Legal Subdivision	ROUTE 146
Legal Block	17
Legal Lot Number	3A
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2005
Census Tract	733102

Owner

Source: Worcester County and Worcester City records, 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	2 Individual Names on Record
Mailing Address	5 NUHA CIR, WEST BOYLSTON, MA 01583-2125
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL ONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2021 · Amount on Record
Deed Sale	Jun 18, 2021 · Amount on Record
Prior Sale	Mar 30, 2005
Deed Document Number	202184667
Deed Book / Page	65418 / 211
Record Updated	Jun 8, 2026

June 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Jun 18, 2021
Property Address	7 LUDLOW ST, WORCESTER, MA 01603-1120
Document Number	065418-211
Book / Page	65418 / 211
Instrument Date	Jun 17, 2021
Instrument	84667
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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
Relationship	Joint Tenants
Address	5 NUHA CIR, WEST BOYLSTON, MA 01583-2125

Mortgage

Document Number	0000084668
Date	Jun 18, 2021
Instrument	84668

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	7 LUDLOW ST, WORCESTER, MA 01603-1120
Document Number	61614-349
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 WATERVILLE LN SHREWSBURY MA 015454840, SHREWSBURY, MA 01545-4840

Mortgage

Document Number	61614-349
Date	Dec 18, 2019
Book Page	061614/000349
Instrument	137716

Lender

Name	CENTRAL ONE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$14,477.00 (+13.3%)	$1,097,600 (+23.17%) Land $98,300 Building $999,300
2023	$12,778.00	$891,100 Land $85,400 Building $805,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	59 units insured incl. 53 condo units
Nearby Flood Claims	7 (1978–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Severe Storms And Flooding, Oct 2005 · 3 claims

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

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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