Hampden County and Ludlow Town property record for 85 West Ave, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,524 sqft · built 1949 |
| Lot Size | 0.299 acres (13,024 sqft) |
| Owner | Individual Name on File |
| Last Sale | $205,000 (Sep 2018) |
| Tax Bill | $4,931 (2025) |
| Deeds & Mortgages | May 2022 Refinance Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12A-17600 B:25 L:0 |
| Primary APN | M:12A-17600 B:25 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,524 sqft Living Area |
| Gross Area | 4,116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,024 sqft (0.299 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8250 |
|---|---|
| Street Address | 85 WEST AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2150 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 17600 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 810403 |
Source: Hampden County and Ludlow Town records · APN M:12A-17600 B:25 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 | Individual Name on File |
|---|---|
| Mailing Address | 85 WEST AVE, LUDLOW, MA 01056-2150 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 20, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM MORTGAGE CORP |
| Sep 20, 2018 | Quit Claim Deed, Transfer NEW PENN FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 20, 2018 · Amount on Record |
| Deed Sale | Sep 20, 2018 · Amount on Record |
| Prior Sale | May 29, 1987 · Amount on Record |
| Deed Book / Page | 22367 / 450 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 85 WEST AVE, LUDLOW, MA 01056-2150 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0024556-99 |
|---|---|
| Date | May 20, 2022 |
| Book Page | 24556/99 |
| Instrument | 30835 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Sep 20, 2018 |
| Property Address | 85 WEST AVE, LUDLOW, MA 01056-2150 |
| Document Number | 22367-450 |
| Book / Page | 22367 / 450 |
| Instrument | 56495 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33.04 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 223670452 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | 22367/0452 |
| Name | NEW PENN FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 20, 2048 |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
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 | $4,931.00 (+4.07%) | $284,200 (+8.51%) Land $65,200 Building $219,000 | $337,250 (+2.07%) |
| 2024 | $4,738.00 (+7.78%) | $261,900 (+16.25%) Land $65,100 Building $196,800 | $330,410 |
| 2023 | $4,396.00 | $225,300 Land $54,100 Building $171,200 |
Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 333 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
May also be available: Spectrum.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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 |
| 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.
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