861 East St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 861 East St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,608 sqft · built 2010
Lot Size	0.537 acres (23,392 sqft)
Owner	Individual Name on Record
Last Sale	$308,000 (Aug 2017)
Tax Bill	$7,397 (2026)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-04900 B:36K L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-04900 B:36K L:0`
Alternative APNs	`LUDL M:27B B:4900 P:36K` `10686`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Gross Area	4,012 sqft
Basement Area	1,608 sqft
Unfinished Basement	1,608 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	23,392 sqft (0.537 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10686
Street Address	861 EAST ST
City	LUDLOW
State	MA
Zip	01056-3133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1010
Census Tract	810404

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	Individual Name on Record
Mailing Address	861 EAST ST, LUDLOW, MA 01056-3133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2017 · Amount on Record
Deed Sale	Aug 22, 2017 · Amount on Record
Prior Sale	Mar 23, 2011 · Amount on Record
Deed Book / Page	21823 / 189
Transfer Doc	021823-189
Record Updated	Oct 29, 2026

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 22, 2017
Property Address	861 EAST ST, LUDLOW, MA 01056-3133
Document Number	21823-189
Book / Page	021823 / 000189
Instrument Date	Aug 15, 2017
Instrument	48777
Transaction Type	Transfer
Record Updated	Sep 12, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,432.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 MEADOW ST #A11 AGAWAM MA 010012221, A11, AGAWAM, MA 01001-2221

Mortgage

Document Number	21823-192
Date	Aug 22, 2017
Book Page	021823/000192
Instrument	48778

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 2047

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	$7,397.00 (+0.63%)	$462,000 (+9.04%) Land $89,600 Building $372,400	$427,202 (-1.51%)
2025	$7,351.00 (+5.24%)	$423,700 (+9.74%) Land $81,500 Building $342,200	$433,770 (-5.54%)
2024	$6,985.00 (+3.42%)	$386,100 (+11.53%) Land $82,400 Building $303,700	$459,230
2023	$6,754.00	$346,200 Land $72,300 Building $273,900

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

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

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	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	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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20