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Single Family ResidenceResidential
$333,362$257 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $201,000 on Mar 21, 2017

109 RAY ST

LUDLOW, MA 01056
3
Beds
2
Baths
1,296 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1952
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$333K
$314K low$353K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$201,000 · Mar 21, 2017

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,879 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$281,200 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$79,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$201,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$326,800

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.5 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountyHAMPDEN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1970
Lot (acres)The size of the land the home sits on, from county records.0.18
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(6)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
East Street Elementary School
Elementary · Grades PK–1 · 0.3 mi
H
Ludlow Senior High SchoolC
High · Grades 9–12 · 0.5 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 0.6 mi

District: Ludlow School District

Neighborhood · ZIP 01056These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.20,664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.738 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,317
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,106
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Ray St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 67% of homes in Ludlow 01056
  • Has a smaller lot than 86% of homes in Ludlow 01056
  • Older than 79% of homes in Ludlow 01056

What homes are worth in Ludlow 01056

Each bar is how many homes fall in that price range. The marker is this home.

This home
$235K$718K

This home is worth more than 39% of homes in Ludlow 01056.

How it measures up in Ludlow 01056

The dot is this home. The mark in the middle is the typical home in Ludlow 01056.

Estimated value$333,362
CheaperTypical $359,735Pricier

Pricier than 39% of homes nearby

Price per ft²$257
CheaperTypical $248Pricier

Pricier than 59% of homes nearby

Living area1,296 ft²
SmallerTypical 1,530 ft²Bigger

Bigger than 33% of homes nearby

Lot size0.18 ac
SmallerTypical 0.4 acBigger

Bigger than 14% of homes nearby

Year built1952
OlderTypical 1964Newer

Newer than 21% of homes nearby

How 109 Ray St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$333,36239% of homes49% of homes
Price per ft²pricier than$25759% of homes60% of homes
Living areabigger than1,296 ft²33% of homes35% of homes
Lot sizebigger than0.18 ac14% of homes27% of homes
Year builtnewer than195221% of homes43% of homes

About 109 Ray St

How much is 109 Ray St, Ludlow, MA worth?

The TopHap Estimate for 109 Ray St, Ludlow, MA is $333,362 as of Sep 24, 2026. The likely range is $313,879 to $352,845. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Ray St, Ludlow, MA last sell?

109 Ray St, Ludlow, MA last sold on Mar 21, 2017 for $201,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 109 Ray St, Ludlow, MA?

109 Ray St, Ludlow, MA has 3 bedrooms, 2 bathrooms, 1,296 square feet of living space and a 0.18-acre lot.

When was 109 Ray St, Ludlow, MA built?

109 Ray St, Ludlow, MA was built in 1952, making it 74 years old. It is a ranch home. The building has 1 story.

What schools serve 109 Ray St, Ludlow, MA?

109 Ray St, Ludlow, MA is assigned to East Street Elementary School (elementary); Ludlow Senior High School (high), rated C; Paul R Baird Middle School (middle), rated C-. All sit in Ludlow School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Ray St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 39% of them ($333,362 against a typical $359,735), its price per square foot is higher than 59% of them ($257 against a typical $248), it is bigger than 33% of them (1,296 ft² against a typical 1,530 ft²), its lot is bigger than 14% of them (0.18 ac against a typical 0.4 ac) and it is newer than 21% of them (1952 against a typical 1964). Measured against all of Hampden County, it is worth more than 49% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Ray St, Ludlow, MA?

The 2025 property tax bill for 109 Ray St, Ludlow, MA was $4,879. The county assessed it at $281,200.

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