800 East St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 800 East St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,372 sqft · built 1922
Lot Size	3.27 acres (142,441 sqft)
Owner	2 Individual Names on File
Last Sale	$39,967 (Sep 1996)
Tax Bill	$9,121 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:27B-04900 B:116 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-04900 B:116 L:0`
Alternative APNs	`LUDL M:27B B:4900 P:116` `2816`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	3 Stories
Building Area	3,372 sqft Living Area
Gross Area	7,054 sqft
Basement Area	1,686 sqft
Unfinished Basement	1,686 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	142,441 sqft (3.27 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	2816
Street Address	800 EAST ST
City	LUDLOW
State	MA
Zip	01056-3044
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A-
Legal Block	4900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1016
Census Tract	810404

Owner

800 East St is owned and occupied by two individuals who acquired it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	800 EAST ST, LUDLOW, MA 01056-3044
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Apr 10, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUSO FEDERAL CREDIT UNION
Sep 15, 2020	Deed of Trust, Mortgage · Balloon Mortgage LUSO FCU
Apr 1, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 1996 · Amount on File
Deed Sale	Sep 26, 1996 · Amount on File
Prior Sale	Sep 26, 1996 · Amount on File
Deed Book / Page	9632 / 375
Last Transfer Date	Mar 10, 2022
Transfer Doc	024481-296
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 10, 2026
Property Address	800 EAST ST, LUDLOW, MA 01056-3044
Document Number	026285-514
Book / Page	26285 / 514
Instrument Date	Apr 6, 2026
Instrument	202615438
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	800 EAST ST, LUDLOW, MA 01056-3044

Mortgage

Document Number	0000015438,
Date	Apr 10, 2026
Book Page	26285/514
Instrument	202615438

Lender

Name	LUSO FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	800 EAST ST, LUDLOW, MA 01056-3044
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023420-312
Date	Sep 15, 2020
Book Page	23420/312
Instrument	52027

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 1, 2022
Property Address	800 EAST ST, LUDLOW, MA 01056-3044
Document Number	024481-296
Book / Page	24481 / 296
Instrument Date	Mar 10, 2022
Instrument	20186
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	84 MASSACHUSETTS AVE, LONGMEADOW, MA 01106-3023

Tax Assessment & Valuation

The 2026 property tax bill for 800 East St was $9,121, down 0.4% 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	$9,121.00 (-0.41%)	$569,700 (+7.92%) Land $157,200 Building $412,500	$473,547 (-20.83%)
2025	$9,159.00 (+3.01%)	$527,900 (+7.41%) Land $145,400 Building $382,500	$598,120 (+4.95%)
2024	$8,891.00 (+2.41%)	$491,500 (+10.45%) Land $146,000 Building $345,500	$569,905
2023	$8,682.00	$445,000 Land $128,000 Building $317,000

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

Flood

FEMA maps place 800 East St 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 800 East St is low, with less than 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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 287 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: AT&T, GoNetspeed, Verizon.

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