839 East St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 839 East St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,664 sqft · built 2008
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Apr 2019)
Tax Bill	$7,794 (2026)
Deeds & Mortgages	May 2020 Refinance Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-04900 B:36F L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-04900 B:36F L:0`
Alternative APNs	`LUDL M:27B B:4900 P:36F` `10681`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	3,297 sqft
Basement Area	756 sqft
Unfinished Basement	756 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2022
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10681
Street Address	839 EAST ST
City	LUDLOW
State	MA
Zip	01056-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1010
Census Tract	810404

Owner

839 East St is owned and occupied by two individuals who bought it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	839 EAST ST, LUDLOW, MA 01056-3133
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 1, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALDENVILLE CU
Apr 29, 2019	Quit Claim Deed, Transfer · Conventional with PMI QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2019 · Amount on File
Deed Sale	Apr 29, 2019 · Amount on File
Prior Sale	Feb 29, 2012 · Amount on File
Deed Book / Page	22642 / 427
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	839 EAST ST, LUDLOW, MA 01056-3133
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23192-85
Date	May 1, 2020
Book Page	23192/85
Instrument	21991

Lender

Name	ALDENVILLE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 29, 2019
Property Address	839 EAST ST, LUDLOW, MA 01056-3133
Document Number	22642-427
Book / Page	022642 / 000427
Instrument Date	Apr 29, 2019
Instrument	21657
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,553.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	24 NOTRE DAME ST SPRINGFIELD MA 011042113, SPRINGFIELD, MA 01104-2113

Mortgage

Document Number	22642-429
Date	Apr 29, 2019
Book Page	022642/000429
Instrument	21658

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 839 East St was $7,794, up 1.9% 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	$7,794.00 (+1.87%)	$486,800 (+10.39%) Land $93,400 Building $393,400	$459,907 (+3.66%)
2025	$7,651.00 (+3.91%)	$441,000 (+8.35%) Land $85,000 Building $356,000	$443,650 (-5.41%)
2024	$7,363.00 (+4.4%)	$407,000 (+12.59%) Land $85,500 Building $321,500	$469,015
2023	$7,053.00	$361,500 Land $75,000 Building $286,500

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

Flood

FEMA maps place 839 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 839 East St is low, with 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 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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