Hampden County and Ludlow Town property record for 84 Howard St, Ludlow, MA 01056
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,070 sqft · built 1900 |
| Lot Size | 0.212 acres (9,235 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,619 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12D-07450 B:114 L:0 |
| Primary APN | M:12D-07450 B:114 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,070 sqft Living Area |
| Gross Area | 4,550 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,235 sqft (0.212 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 4346 |
|---|---|
| Street Address | 84 HOWARD ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2749 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | RES B |
| Legal Block | 7450 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 810403 |
84 Howard St, a duplex, is owned by two individuals.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 LACONIA ST, LUDLOW, MA 01056-3611 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 84 Howard St was $4,619, up 3.8% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,619.00 (+3.82%) | $288,500 (+12.52%) Land $80,800 Building $207,700 | $357,993 |
| 2025 | $4,449.00 (+9.69%) | $256,400 (+14.36%) Land $73,500 Building $182,900 | |
| 2024 | $4,056.00 (+4.62%) | $224,200 (+12.83%) Land $73,500 Building $150,700 | |
| 2023 | $3,877.00 | $198,700 Land $64,500 Building $134,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 84 Howard St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 84 Howard 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 93% of the US · lower than 83% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 367 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
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