97 Prokop Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 97 Prokop Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,476 sqft · built 1959
Lot Size	0.255 acres (11,108 sqft)
Owner	Individual Name on File
Tax Bill	$5,429 (2026)
Deeds & Mortgages	Mar 2021 Refinance Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:11C-11850 B:22 L:1`

Property Details

APN / Parcel Number

Primary APN	`M:11C-11850 B:22 L:1`
Alternative APNs	`LUDL M:11C B:11850 P:22 E:1` `6858`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,476 sqft Living Area
Gross Area	5,024 sqft
Basement Area	1,476 sqft
Unfinished Basement	1,476 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,108 sqft (0.255 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6858
Street Address	97 PROKOP AVE
City	LUDLOW
State	MA
Zip	01056-1345
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	11850
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1010
Census Tract	810412

Owner

97 Prokop Ave is owned and occupied by an individual who acquired it in February 2007.

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

Owner of Record	Individual Name on File
Mailing Address	97 PROKOP AVE, LUDLOW, MA 01056-1345
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
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PIONEER VALLEY CU
Jul 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED BK
Jul 24, 2017	Deed of Trust, Mortgage PIONEER VLY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 16, 2007
Deed Sale	Feb 16, 2007
Prior Sale	Jan 22, 2007
Transfer Doc	33116
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	97 PROKOP AVE, LUDLOW, MA 01056-1345
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	225536
Date	Mar 19, 2021
Instrument	225536

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	97 PROKOP AVE, LUDLOW, MA 01056-1345
Document Number	0000216186
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 PROKOP AVE LUDLOW MA 010561345, LUDLOW, MA 01056-1345

Mortgage

Document Number	0000216186
Date	Oct 15, 2018
Instrument	216186

Lender

Name	UNITED BK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 14, 2023

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	97 PROKOP AVE, LUDLOW, MA 01056-1345
Document Number	0000211470
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000211470
Date	Jul 28, 2017
Instrument	211470

Lender

Name	PIONEER VLY CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 27, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 97 Prokop Ave was $5,429, up 0.5% 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	$5,429.00 (+0.52%)	$339,100 (+8.93%) Land $90,500 Building $248,600	$323,760 (+9.48%)
2025	$5,401.00 (+4.79%)	$311,300 (+9.27%) Land $82,300 Building $229,000	$295,735 (-13.09%)
2024	$5,154.00 (+5.38%)	$284,900 (+13.64%) Land $82,200 Building $202,700	$340,290
2023	$4,891.00	$250,700 Land $72,200 Building $178,500

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

Flood

FEMA maps place 97 Prokop Ave 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 Claims	1 (2011)
Claims Outside the SFHA	1 of 1
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

Wildfire risk around 97 Prokop Ave 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	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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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