85 Main Blvd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 85 Main Blvd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,004 sqft · built 1962
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2020)
Tax Bill	$4,488 (2026)
Deeds & Mortgages	Nov 2022 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:02D-09650 B:41 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02D-09650 B:41 L:0`
Alternative APNs	`LUDL M:2D B:9650 P:41` `5370`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
Gross Area	3,934 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	5370
Street Address	85 MAIN BLVD
City	LUDLOW
State	MA
Zip	01056-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	9650
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3019
Census Tract	810412

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	85 MAIN BLVD, LUDLOW, MA 01056-1725
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Mar 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 30, 2020 · Amount on Record
Deed Sale	Oct 30, 2020 · Amount on Record
Prior Sale	May 27, 2004 · Amount on Record
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	85 MAIN BLVD, LUDLOW, MA 01056-1725
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232396
Date	Nov 22, 2022
Instrument	232396

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	85 MAIN BLVD, LUDLOW, MA 01056-1725
Document Number	0000221451
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 MAIN BLVD LUDLOW MA 010561725, LUDLOW, MA 01056-1725

Mortgage

Document Number	0000221451
Date	Mar 31, 2020
Instrument	221451

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 30, 2035

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	$4,488.00 (-0.51%)	$280,300 (+7.81%) Land $81,400 Building $198,900	$309,795 (-3.03%)
2025	$4,511.00 (+4.11%)	$260,000 (+8.56%) Land $74,000 Building $186,000	$319,485 (+5.16%)
2024	$4,333.00 (+6.46%)	$239,500 (+14.81%) Land $74,000 Building $165,500	$303,810
2023	$4,070.00	$208,600 Land $64,900 Building $143,700

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 216 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 / 50

May also be available: Crossroads Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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