85 Main St, #10, Ludlow, VT 05149 Property Records

Ludlow Town property record for 85 Main St, #10, Ludlow, VT 05149

Property Summary

Property Type	Commercial Condominium
Details	0.5 ba · 900 sqft · built 1945
Lot Size	0.587 acres (25,587 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$868 (2025)
Deeds & Mortgages	Apr 2026 Sale Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`363-112-12076`

Property Details

APN / Parcel Number

Primary APN	`363-112-12076`
Alternative APNs	`(112) 230243.010` `M:230 B:243.010`

Interior

Full Baths	0.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	900 sqft Living Area

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	25,587 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	85 MAIN ST, 10
City	LUDLOW
State	VT
Zip	05149-1034
Property Category	Commercial
Property Type	Commercial > Retail > Commercial Condominium
Legal Description	COMMERCIAL
Jurisdiction	LUDLOW VT
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3032
Census Tract	966300

Owner

85 Main St, #10 is owned by two individuals who bought it in April 2026.

Source: Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 WILSON DR, RYE, NY 10580-1217
Owner Type	Individual
Vesting	Individual(s)

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
Apr 28, 2026	Deed, Transfer
Nov 28, 2022	Deed, Transfer
Feb 2, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Nov 28, 2022 · Amount on File
Deed Document Number	2026314078912
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW VT
Recording Date	Apr 28, 2026
Property Address	85 MAIN ST, 10, LUDLOW, VT 05149-1034
Document Number	0314078912
Instrument Date	Feb 25, 2026
Instrument	2026314078912
Transaction Type	Transfer
Record Updated	Jul 6, 2026

Transaction

Amount	Amount on Record
Tax	$1,371,075.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 WILSON DR, RYE, NY 10580-1217

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW VT
Recording Date	Nov 28, 2022
Property Address	85 MAIN ST # 10, 10, LUDLOW, VT 05149-1034
Document Number	DK649297472
Instrument Date	Nov 16, 2022
Instrument	DK 649297472
Transaction Type	Transfer
Record Updated	Jan 30, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1272 SHERIDAN DR # 1288, 1288, KENMORE, NY 14217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 GARFIELD AVE, BAY SHORE, NY 11706-1026

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LUDLOW VT
Recording Date	Feb 2, 2017
Property Address	85 MAIN ST # 10, 10, LUDLOW, VT 05149-1034
Transaction Type	Transfer
Record Updated	Oct 4, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	93 MAIN ST LUDLOW VT 051491057, LUDLOW, VT 05149-1057

Tax Assessment & Valuation

The 2025 property tax bill for 85 Main St, #10 was $868, down 12.3% from the year before.

Source: Ludlow Town assessment roll, as of June 5, 2026

Property Jurisdictions

Type	Name
State	Vermont
County	Windsor County
County Subdivision	Ludlow Town
Municipality	Ludlow Village
Elementary School District	Ludlow Mt. Holly Unified Union School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2025	$868.00 (-12.32%)	$47,000 (-) Building $47,000
2024	$990.00	$47,000 Building $47,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 85 Main St, #10 in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 13, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 25 policies
Nearby Flood Policies	25 in force
Nearby Flood Claims	16 (2011–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Aug 2024 · Tropical Depression Debby
Claims by Event	Severe Storm And Flooding, Dec 2023 · 2 claims Severe Storms, Flooding, Landslides, And Mudslides, Jul 2023 · 10 claims Tropical Storm Irene, Aug 2011 · 3 claims

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 85 Main St, #10 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 94% of the US · lower than 97.8% of Vermont
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LUDLOW VILLAGE WATER DEPT serves 2,880 people · EPA ID VT0005323
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
TDS Telecom Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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