84 Simonds St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 84 Simonds St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,841 sqft · built 1988
Lot Size	0.246 acres (10,716 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (May 2018)
Tax Bill	$6,182 (2025)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12B-13900 B:114 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-13900 B:114 L:0`
Alternative APNs	`LUDL M:12B B:13900 P:114` `7406`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,841 sqft Living Area
Gross Area	2,665 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,716 sqft (0.246 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7406
Street Address	84 SIMONDS ST
City	LUDLOW
State	MA
Zip	01056-1802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	13900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2006
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town records · APN M:12B-13900 B:114 L:0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	84 SIMONDS ST, LUDLOW, MA 01056-1802
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 04, 2018 · Amount on Record
Deed Sale	May 04, 2018 · Amount on Record
Prior Sale	May 31, 1989 · Amount on Record
Deed Book / Page	22160 / 17
Record Updated	Sep 20, 2026

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	May 04, 2018
Property Address	84 SIMONDS ST, LUDLOW, MA 01056-1802
Document Number	22160-17
Book / Page	22160 / 17
Instrument	24335
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$44.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	84 SIMONDS ST, LUDLOW, MA 01056-1802

Mortgage

Document Number	221600019
Date	May 04, 2018
Instrument	22160/0019

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 04, 2048

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,182.00 (+2.4%)	$356,300 (+6.77%) Land $85,700 Building $270,600	$410,590 (+1.34%)
2024	$6,037.00 (+3.69%)	$333,700 (+11.83%) Land $85,700 Building $248,000	$405,175
2023	$5,822.00	$298,400 Land $78,400 Building $220,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 324 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.