903 West St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 903 West St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,422 sqft · built 1964
Lot Size	4.1 acres (178,596 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Feb 2021)
Tax Bill	$5,046 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:007-17700 B:4 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:007-17700 B:4 L:0`
Alternative APNs	`LUDL M:7 B:17700 P:4` `8345`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,422 sqft Living Area
Gross Area	3,810 sqft
Basement Area	1,422 sqft
Unfinished Basement	1,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	178,596 sqft (4.1 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8345
Street Address	903 WEST ST
City	LUDLOW
State	MA
Zip	01056-4101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17700
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1010
Census Tract	810414

Owner

903 West St is owned and occupied by two individuals who bought it in February 2021.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	903 WEST ST, LUDLOW, MA 01056-4101
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2021 · Amount on File
Deed Sale	Feb 22, 2021 · Amount on File
Deed Document Number	202112043
Deed Book / Page	23721 / 200
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 22, 2021
Property Address	903 WEST ST, LUDLOW, MA 01056-4101
Document Number	23721-200
Book / Page	23721 / 200
Instrument Date	Feb 17, 2021
Instrument	12043
Transaction Type	Transfer
Record Updated	Dec 22, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 STERLING DR, EASTHAMPTON, MA 01027-2504

Mortgage

Document Number	12044
Date	Feb 22, 2021
Instrument	12044

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 903 West St was $5,046, down 1.3% from the year before.

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	$5,046.00 (-1.25%)	$315,200 (+7.03%) Land $147,400 Building $167,800	$327,252 (-24.29%)
2025	$5,110.00 (+2.12%)	$294,500 (+6.47%) Land $139,100 Building $155,400	$432,250 (+6.83%)
2024	$5,004.00 (+7.27%)	$276,600 (+15.68%) Land $140,200 Building $136,400	$404,605
2023	$4,665.00	$239,100 Land $116,500 Building $122,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 903 West St 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 June 7, 2023

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 903 West St is low, with 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 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	SOUTH HADLEY FD #1 (MWRA) serves 14,800 people · EPA ID MA1275000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jul 2025
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: GoNetspeed, Verizon, Xfinity.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on West St

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