928 Center St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 928 Center St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 2020
Lot Size	0.919 acres (40,032 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Sep 2020)
Tax Bill	$7,473 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11957`

Property Details

APN / Parcel Number

Primary APN	`11957`
Alternative APN	`LUDL M:25 B:3550 P:48B`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
Gross Area	3,598 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,032 sqft (0.919 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11957
Street Address	928 CENTER ST
City	LUDLOW
State	MA
Zip	01056-1574
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2009
Census Tract	810414

Owner

928 Center St is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	928 CENTER ST, LUDLOW, MA 01056-1574
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

Date	Document
Jun 30, 2023	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Sep 15, 2020	Quit Claim Deed, Transfer · Conventional Mortgage CALIBER HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Transfer Date	Sep 10, 2020
Prior Transfer Doc	023420-458
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	928 CENTER ST, LUDLOW, MA 01056-1574
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0025061-34
Date	Jun 30, 2023
Book Page	25061/34
Instrument	29844

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 15, 2020
Property Address	928 CENTER ST, LUDLOW, MA 01056-1574
Document Number	23420-458
Book / Page	023420 / 000458
Instrument Date	Sep 10, 2020
Instrument	52058
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,535.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ALDER ST MEDWAY MA 020532202, MEDWAY, MA 02053-2202

Mortgage

Document Number	23420-461
Date	Sep 15, 2020
Book Page	023420/000461
Instrument	52059

Lender

Name	CALIBER HM LNS

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 14, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 928 Center St was $7,473, up 0.6% 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	$7,473.00 (+0.61%)	$466,800 (+9.04%) Land $93,800 Building $373,000	$429,622 (+14.17%)
2025	$7,428.00 (+5.35%)	$428,100 (+9.83%) Land $85,300 Building $342,800	$376,295 (-14.15%)
2024	$7,051.00 (+4.79%)	$389,800 (+13.02%) Land $85,300 Building $304,500	$438,330
2023	$6,729.00	$344,900 Land $74,800 Building $270,100

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

Flood

FEMA maps place 928 Center St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 928 Center 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	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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: GoNetspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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