9 Ludlow St, Worcester, MA 01603 Property Records

Worcester County and Worcester City property record for 9 Ludlow St, Worcester, MA 01603

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,056 sqft · built 2003
Lot Size	0.269 acres (11,720 sqft)
Owner	2 Individual Names on Record
Last Sale	$203,000 (Apr 2018)
Tax Bill	$4,925 (2025)
Deeds & Mortgages	Sep 2024 Refinance Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-049-002-1`

Property Details

APN / Parcel Number

Primary APN	`15-049-002-1`
Alternative APNs	`WORC M:15 B:049 L:002-1` `M:15 B:049 L:002=1`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	2,332 sqft
1st Floor Area	1,056 sqft
Basement Area	980 sqft
Unfinished Basement	980 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,720 sqft (0.269 acres)
Garage Type	Basement
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	15-049-002-1
Street Address	9 LUDLOW ST
City	WORCESTER
State	MA
Zip	01603-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL-7
Legal Subdivision	LAND WORCESTER
Legal Block	49
Legal Lot Number	2-1
Jurisdiction	WORCESTER MA
Township / Civil Division	WORCESTER
Census Block Group	2
Census Block	2006
Census Tract	733102

Owner

Source: Worcester County and Worcester City records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9 LUDLOW ST, WORCESTER, MA 01603-1119
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA
Apr 27, 2018	Quit Claim Deed, Transfer · FHA Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Prior Sale	Aug 25, 2010 · Amount on Record
Deed Book / Page	58722 / 316
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WORCESTER MA
Property Address	9 LUDLOW ST, WORCESTER, MA 01603-1119
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071019-309
Date	Sep 13, 2024
Book Page	71019/309
Instrument	74485

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WORCESTER MA
Recording Date	Apr 27, 2018
Property Address	9 LUDLOW ST, WORCESTER, MA 01603-1119
Document Number	58722-316
Book / Page	058722 / 000316
Instrument Date	Mar 11, 2018
Instrument	39735
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$925.68
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 LUDLOW ST WORCESTER MA 016031119, WORCESTER, MA 01603-1119

Mortgage

Document Number	58722-320
Date	Apr 27, 2018
Book Page	058722/000320
Instrument	39736

Lender

Name	EVOLVE BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

Source: Worcester County and Worcester City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
Municipality	Worcester City
Unified School District	Worcester School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,925.00 (+4.61%)	$373,400 (+13.74%) Land $98,600 Building $274,800	$362,900 (+7.3%)
2024			$338,200
2023	$4,708.00	$328,300 Land $85,700 Building $242,600

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 November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	59 units insured incl. 53 condo units
Nearby Flood Claims	7 (1978–2024)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Mar 2024 · other causes
Claims by Event	Severe Storms And Flooding, Oct 2005 · 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

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	Direct burnable vegetation

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	WORCESTER DPWP, WATER SUPPLY DIVISION serves 206,518 people · EPA ID MA2348000
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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