829 East St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 829 East St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 890 sqft · built 1947
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (May 2019)
Tax Bill	$3,970 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-04900 B:35 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-04900 B:35 L:0`
Alternative APNs	`LUDL M:27B B:4900 P:35` `2691`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	890 sqft Living Area
Gross Area	2,903 sqft
Basement Area	968 sqft
Unfinished Basement	968 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2691
Street Address	829 EAST ST
City	LUDLOW
State	MA
Zip	01056-3133
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	1010
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of October 20, 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	829 EAST ST, LUDLOW, MA 01056-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLISH NATIONAL CREDIT UNION
May 17, 2019	Quit Claim Deed, Transfer · FHA Mortgage INLAND BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2019 · Amount on Record
Deed Sale	May 17, 2019 · Amount on Record
Deed Document Number	201925666
Deed Book / Page	22670 / 13
Prior Transfer Date	May 13, 2019
Prior Transfer Doc	22670-13
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 17, 2026
Property Address	829 EAST ST, LUDLOW, MA 01056-3133
Document Number	026294-361
Book / Page	26294 / 361
Instrument Date	Apr 13, 2026
Instrument	202616550
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	829 EAST ST, LUDLOW, MA 01056-3133

Mortgage

Document Number	0000016550,
Date	Apr 17, 2026
Book Page	26294/361
Instrument	202616550

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

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

Interest

Rate	6.11%
Max Rate	-1%

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	May 17, 2019
Property Address	829 EAST ST, LUDLOW, MA 01056-3133
Document Number	22670-13
Book / Page	022670 / 000013
Instrument Date	May 13, 2019
Instrument	25666
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$799.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 ELM ST LUDLOW MA 010562746, LUDLOW, MA 01056-2746

Mortgage

Document Number	22670-17
Date	May 17, 2019
Book Page	022670/000017
Instrument	25667

Lender

Name	INLAND BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2049

Tax Assessment & Valuation

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	$3,970.00 (-0.35%)	$248,000 (+8.01%) Land $82,200 Building $165,800	$290,162 (+1.74%)
2025	$3,984.00 (+3.89%)	$229,600 (+8.3%) Land $74,700 Building $154,900	$285,190 (+0.77%)
2024	$3,835.00 (+6.32%)	$212,000 (+14.66%) Land $74,600 Building $137,400	$283,005
2023	$3,607.00	$184,900 Land $65,500 Building $119,400

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

Flood

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

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	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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