Hampden County and Ludlow Town property record for 74 Ray St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,977 sqft · built 1988 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $459,900 (Nov 2025) |
| Tax Bill | $8,208 (2025) |
| Deeds & Mortgages | Nov 2025 Sale Jun 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15D-12300 B:173 L:0 |
| Primary APN | M:15D-12300 B:173 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,977 sqft Living Area |
| Gross Area | 7,237 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 7002 |
|---|---|
| Street Address | 74 RAY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2920 |
| 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 | 1027 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records · APN M:15D-12300 B:173 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 | 74 RAY ST, LUDLOW, MA 01056-2920 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Nov 24, 2025 | Warranty Deed, Transfer |
| Jun 07, 2022 | Redemption Deed, Transfer |
| Apr 14, 2022 | Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 24, 2025 · Amount on Record |
| Deed Sale | Nov 24, 2025 · Amount on Record |
| Prior Sale | Feb 27, 2002 · Amount on Record |
| Deed Book / Page | 26124 / 568 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Nov 24, 2025 |
| Property Address | 74 RAY ST, LUDLOW, MA 01056-2920 |
| Document Number | 026124-568 |
| Book / Page | 26124 / 568 |
| Instrument Date | Nov 19, 2025 |
| Instrument | 56640 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 74 RAY ST, LUDLOW, MA 01056-2920 |
| Document Type | Redemption Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 07, 2022 |
| Property Address | 74 RAY ST, LUDLOW, MA 01056-2920 |
| Document Number | 024580-529 |
| Book / Page | 24580 / 529 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 34277 |
| Transaction Type | Transfer |
| Record Updated | Sep 02, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 74 RAY ST, LUDLOW, MA 01056-2920 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024499-495 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 24499/495 |
| Instrument | 22687 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
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 | $8,208.00 (+5.81%) | $473,100 (+10.33%) Land $81,400 Building $391,700 | $482,410 (+31.66%) |
| 2024 | $7,757.00 (+3.76%) | $428,800 (+11.9%) Land $81,400 Building $347,400 | $366,415 |
| 2023 | $7,476.00 | $383,200 Land $71,400 Building $311,800 |
Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 278 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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