87 Americo St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 87 Americo St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,486 sqft · built 1984
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jan 2017)
Tax Bill	$7,549 (2026)
Deeds & Mortgages	Oct 2019 Refinance Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27A-00525 B:180 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-00525 B:180 L:0`
Alternative APNs	`LUDL M:27A B:525 P:180` `229`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,486 sqft Living Area
Gross Area	6,268 sqft
Basement Area	1,424 sqft
Unfinished Basement	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	229
Street Address	87 AMERICO ST
City	LUDLOW
State	MA
Zip	01056-3102
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	525
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1014
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of October 20, 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 Record
Mailing Address	87 AMERICO ST, LUDLOW, MA 01056-3102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU
Jan 20, 2017	Quit Claim Deed, Transfer · Conventional with PMI NANCY G CHAVES

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2017 · Amount on Record
Deed Sale	Jan 20, 2017 · Amount on Record
Deed Book / Page	21541 / 271
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	87 AMERICO ST, LUDLOW, MA 01056-3102
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22906-58
Date	Oct 17, 2019
Book Page	22906/58
Instrument	60452

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2034

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 20, 2017
Property Address	87 AMERICO ST, LUDLOW, MA 01056-3102
Document Number	21541-271
Book / Page	021541 / 000271
Instrument Date	Jan 11, 2017
Instrument	3707
Transaction Type	Transfer
Record Updated	Feb 9, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,488.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 GODDU ST LUDLOW MA 010562613, LUDLOW, MA 01056-2613

Mortgage

Document Number	21541-274
Date	Jan 20, 2017
Book Page	021541/000274
Instrument	3708

Lender

Name	NANCY G CHAVES

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Jan 19, 2022

Mortgage

Document Number	21541-287,
Date	Jan 20, 2017
Book Page	021541/000287
Instrument	3709

Lender

Name	NANCY G CHAVES
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 19, 2022

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	$7,549.00 (+2.14%)	$471,500 (+10.68%) Land $93,900 Building $377,600	$448,945 (-20.32%)
2025	$7,391.00 (+4.17%)	$426,000 (+8.62%) Land $85,400 Building $340,600	$563,445 (+8.51%)
2024	$7,095.00 (+3.23%)	$392,200 (+11.33%) Land $85,200 Building $307,000	$519,270
2023	$6,873.00	$352,300 Land $74,800 Building $277,500

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

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