7 Spring St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 7 Spring St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,544 sqft · built 1996
Lot Size	0.936 acres (40,772 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Mar 2016)
Tax Bill	$10,301 (2025)
Deeds & Mortgages	Apr 2026 Second Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:033-14075 B:130 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:033-14075 B:130 L:0`
Alternative APNs	`LUDL M:33 B:14075 P:130` `7484`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,544 sqft Living Area
Gross Area	7,611 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,772 sqft (0.936 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7484
Street Address	7 SPRING ST
City	LUDLOW
State	MA
Zip	01056-1683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	14075
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3014
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records · APN M:033-14075 B:130 L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	7 SPRING ST, LUDLOW, MA 01056-1683
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 08, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FLORENCE BK
Mar 24, 2020	Deed of Trust, Mortgage · Balloon Mortgage FIGURE LENDING LCC
Jan 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 01, 2016 · Amount on Record
Deed Sale	Mar 01, 2016 · Amount on Record
Deed Document Number	201611438
Deed Book / Page	21082 / 272
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 08, 2026
Property Address	7 SPRING ST, LUDLOW, MA 01056-1683
Document Number	0026283-69
Book / Page	26283 / 69
Instrument Date	Apr 03, 2026
Instrument	202615017
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SPRING ST, LUDLOW, MA 01056-1683

Mortgage

Document Number	0000015017,
Date	Apr 08, 2026
Book Page	26283/69
Instrument	202615017

Lender

Name	FLORENCE BK

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 01, 2036

Interest

Rate	6%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 SPRING ST, LUDLOW, MA 01056-1683
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23140-477
Date	Mar 24, 2020
Book Page	23140/477
Instrument	15690

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 01, 2030

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 SPRING ST, LUDLOW, MA 01056-1683
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	MISC COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23655-579
Date	Jan 19, 2021
Book Page	23655/579
Instrument	3693

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,301.00 (+5.12%)	$593,700 (+9.6%) Land $99,600 Building $494,100	$500,080 (-11.88%)
2024	$9,799.00 (+4.88%)	$541,700 (+13.11%) Land $99,600 Building $442,100	$567,530
2023	$9,343.00	$478,900 Land $82,800 Building $396,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104143, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 81 locations within half a mile · Last verified October 2026

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

Cell Coverage

5G (outdoors only) and 4G LTE

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