Ludlow, MA
Hampden County42.1590°N, 72.4803°W
Tracking 9,158 properties across Ludlow, Massachusetts — a community where the median home dates to 1965 and the oldest to 1751. Every parcel mapped with building characteristics, environmental exposure, hazard risk, and ownership history assembled from 140+ sources.
9,158
Properties Tracked
1965
Median Year Built
$281K
Median Assessed Value
2%
FEMA Flood Zone
2.66M
NEP Data Facts Tracked
Zone 1
Radon Zone
Click any parcel to view intelligence
Ludlow, MAInc. 1751
Ludlow is a suburban town east of Springfield, with a housing stock that mixes older village-center development with post-war suburban neighborhoods. The town's Portuguese-American community has shaped its character and commercial life. Westover Air Reserve Base's flight patterns affect some properties in the eastern sections.
For property professionals, Ludlow is a moderate, working-class to middle-class Springfield suburb with a consistent housing stock and limited commercial activity beyond the town center.
Risk Profile
FEMA flood zones, fire protection grades, radon — parcel by parcel
FEMA Flood Zones
155 properties (2%) are in FEMA Special Flood Hazard Areas, where flood insurance is required for federally-backed mortgages.
X
9,002
AE
104
A
51
AREA NOT INCLUDED
1
Fire Protection Grades
Fire protection grades reflect proximity to fire stations and hydrant infrastructure. Grade affects insurance pricing in every New England state.
Grade A
362
Grade B
2,717
Grade C
3,499
Grade D
1,042
Grade E
1,538
Zone 1
Radon Risk
123 mph
Design Wind Speed
ASCE 7 standard
35 psf
Ground Snow Load
ASCE 7 standard
Relatively Low
FEMA Risk Index
NRI composite rating
The Property Landscape
9,158 properties · Median year built 1965 · Avg 1,828 sf
Property Types
Single Family
6,243
Vacant Land
872
Multi-Family
584
Two-Family
523
Institutional
327
Commercial
272
Industrial
136
Other
57
Mixed Use
45
Residential Other
45
Construction by Era
Pre-1800
4
1800-1849
8
1850-1899
73
1900-1949
1,209
1950-1979
3,602
1980-1999
1,728
2000+
978
Architectural Styles
Ranch
2,432
Cape Cod
1,071
Vacant Land
1,032
Colonial
927
Condominium
551
Raised Ranch
511
Contemporary
201
Split Level
180
Market Activity
Recorded transactions from Hampden County Registry of Deeds
122
Sales (12 mo)
Arms-length transactions
$355K
Median Sale Price
Past 12 months
65%
Owner-Occupied
2%
Out-of-State Owners
NE Provenance tracks recorded deeds, mortgages, and liens for 99% of Ludlow properties. Ownership intelligence includes transaction history, entity detection, portfolio identification, and lien analysis — assembled from public registry records into a single property-level profile.
Building Permits & Maintenance
20,163 municipal building permits on file · 59% of properties
NE Provenance tracks 20,163 building permits across 5,368 Ludlow properties — 59% coverage. 2,988 properties have permit activity in the last five years.
Each permit record reveals maintenance decisions: roof replacements, electrical upgrades, kitchen renovations, solar installations. For insurance, lending, and appraisal professionals, permit history is the most objective evidence of property condition available from public records.
20,163
Permits on File
59%
Coverage
Properties with permits
2,988
Active (5yr)
Recent permit activity
83%
Condition Rated
NEP assessment
Living in Ludlow
Hampden County · Massachusetts
Zip Codes0100101002010070100901013010200102101022010270102801030010330103401035010360104001050010560105701060010620106901075010770108201085010890109001095011010110201103011040110501106011070110801109011190112901144011510120101202012380135401462014680150101521015240155001581015850158801606018030182401923019500203802048021080211402115021160212702139021410230202324026530276202852029170310103304039090409004105053600601606071060740607806082061060611806141062370641506489
21,002
Population
2020 Census
9,158
Properties
$281K
Median Assessed
65%
Owner-Occupied
28.3
Square Miles
Ludlow covers 28.3 square miles in Hampden County, Massachusetts. The median assessed property value is $281K.
Single-family homes account for 6,243 of Ludlow's 9,158 properties and 1,110 multi-family buildings. There are 272 commercial properties and 872 parcels of vacant land. About 65% of properties are owner-occupied, and 2% are owned by someone out of state.
Assessed values range widely — the middle 50% of properties fall between $222K and $368K, with the highest assessed property at $52.4M. For professionals working in this market, the value spread tells you a lot about what you'll encounter door to door.
62% of properties are on municipal sewer, with the remainder on private septic systems, and 72% have public water service. Electric service is provided by NSTAR ELECTRIC COMPANY. 605 properties have identified commercial activity — restaurants, retail, professional offices, and services that give Ludlow its character.
What Ludlow Property Intelligence Means for Professionals
Insurance & Underwriting
Ludlow's fire protection grade distribution (362 Grade A, 2,717 Grade B) directly affects premium calculation. Parcel-level hazard data provides the granularity that ZIP-level aggregation misses.
Insurance solutionsReal Estate & Appraisal
Ludlow's 10 property types, spanning construction from 1751 to present, require local market knowledge for accurate comparable selection and valuation. NEP assembles building characteristics, environmental exposure, and condition signals into a single property profile.
Real estate solutionsLending & Title
Collateral assessment requires flood zone verification, environmental screening, and ownership chain validation. 2% of Ludlow properties are in SFHAs where flood insurance is a federal lending requirement. NEP provides property-level compliance data from public records.
Lending solutionsInspection & Property Services
20,163 permits across 59% of properties means most Ludlow inspection assignments can start with documented renovation and system history, not a blank slate.
Inspection solutionsExplore Ludlow property intelligence.
9,158 Ludlow properties — each with risk profiles, building data, permit history, and ownership analysis from 140+ sources. Open any property and see the full picture.
Newburyport, MA · Federalist · 3,524 sq ft · 4 bed / 3 bath · Built 1800 · Historic District
NEP Property Intelligence Summary
ConditionC1Fire ClassBFlood ZoneXOwnerIndividualOccupancyOwner-Occupied
Purchased2018 (8yr)Permits11 totalSystems3 updatedLiensClearAssessed$1.6MOcean0.3 mi
EraPre-1940HistoricDesignatedRenovationRecentRadonZone 1
Cite this data
Source: NE Provenance, “Professional Property Intelligence for New England,” neprovenance.com/insights/town/ludlow-ma. For references or attribution, please link back to this page or neprovenance.com. Thank you, we appreciate it.