Ludlow Town property record for 78 Main St, Ludlow, VT 05149
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2.5 ba · 3,209 sqft · built 1900 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,814 (2025) |
| Flood Zone | Zone A (high risk) |
| APN | 363-112-12103 |
| Primary APN | 363-112-12103 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 3,209 sqft Living Area |
| Gross Area | 4,104 sqft |
| Basement Area | 624 sqft |
| Unfinished Basement | 624 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Slate |
| Lot Area | 11,761 sqft (0.27 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 78 MAIN ST |
|---|---|
| City | LUDLOW |
| State | VT |
| Zip | 05149-1113 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | MAIN STREET 78 |
| Jurisdiction | LUDLOW VT |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 966300 |
Source: Ludlow Town records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 19 MICHELE LN, HAUPPAUGE, NY 11788-3329 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 6, 2001 |
| Transfer Doc | 0000806299 |
| Record Updated | Sep 20, 2026 |
Source: Ludlow Town assessment roll, as of June 5, 2026
| Type | Name |
|---|---|
| State | Vermont |
| County | Windsor County |
| County Subdivision | Ludlow Town |
| Municipality | Ludlow Village |
| Elementary School District | Ludlow Mt. Holly Unified Union School District (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2025 | $3,814.00 (-12.34%) | $206,600 (-) Land $66,800 Building $139,800 |
| 2024 | $4,351.00 | $206,600 Land $66,800 Building $139,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
Source: FEMA National Flood Hazard Layer, effective April 13, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 34 individual policies |
| Nearby Flood Policies | 103 units insured incl. 69 condo units |
| Nearby Flood Claims | 53 (1994–2023) |
| Claims Outside the SFHA | 9 of 53 |
| Most Recent Claim | Dec 2023 · Severe Storm And Flooding |
| Claims by Event |
|
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 94% of the US · lower than 97.8% of Vermont |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | LUDLOW VILLAGE WATER DEPT serves 2,880 people · EPA ID VT0005323 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2023 |
| Lead | 2 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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