Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$408,714$219 / 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 91How 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

12 CROSS ST

LUDLOW, MA 01056
3
Beds
2
Baths
1,868 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.
0.36 ac
Lot SizeThe size of the land the home sits on, from county records.
1984
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
6
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$409K
$373K low$445K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,970 (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.$344,100 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$89,600
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$254,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$346,465

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.13 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.Raised Ranch
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.36
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
CoolingThe type of cooling or air conditioning in the home.Yes
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(4)

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 · 1.1 mi
H
Ludlow Senior High SchoolC
High · Grades 9–12 · 1.1 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 1.4 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%

Owner Tools

Do you own this home?
Claim this home

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

12 Cross 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.

  • Worth more than 71% of homes in Hampden County
  • Costs less per square foot than 77% of homes in Ludlow 01056
  • Bigger than 69% of homes in Ludlow 01056
  • Newer than 79% of homes in Hampden County

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
$237K$730K

This home is worth more than 66% 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$408,714
CheaperTypical $359,617Pricier

Pricier than 66% of homes nearby

Price per ft²$219
CheaperTypical $248Pricier

Pricier than 23% of homes nearby

Living area1,868 ft²
SmallerTypical 1,527 ft²Bigger

Bigger than 69% of homes nearby

Lot size0.36 ac
SmallerTypical 0.4 acBigger

Bigger than 46% of homes nearby

Year built1984
OlderTypical 1964Newer

Newer than 69% of homes nearby

How 12 Cross St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$408,71466% of homes71% of homes
Price per ft²pricier than$21923% of homes31% of homes
Living areabigger than1,868 ft²69% of homes66% of homes
Lot sizebigger than0.36 ac46% of homes57% of homes
Year builtnewer than198469% of homes79% of homes

About 12 Cross St

How much is 12 Cross St, Ludlow, MA worth?

The TopHap Estimate for 12 Cross St, Ludlow, MA is $408,714 as of Sep 24, 2026. The likely range is $372,526 to $444,902. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 12 Cross St, Ludlow, MA last sell?

12 Cross St, Ludlow, MA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 12 Cross St, Ludlow, MA?

12 Cross St, Ludlow, MA has 3 bedrooms, 2 bathrooms, 1,868 square feet of living space and a 0.36-acre lot.

When was 12 Cross St, Ludlow, MA built?

12 Cross St, Ludlow, MA was built in 1984, making it 42 years old. It is a raised ranch home. The building has 1 story.

What schools serve 12 Cross St, Ludlow, MA?

12 Cross 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 12 Cross St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 66% of them ($408,714 against a typical $359,617), its price per square foot is higher than 23% of them ($219 against a typical $248), it is bigger than 69% of them (1,868 ft² against a typical 1,527 ft²), its lot is bigger than 46% of them (0.36 ac against a typical 0.4 ac) and it is newer than 69% of them (1984 against a typical 1964). Measured against all of Hampden County, it is worth more than 71% 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 12 Cross St, Ludlow, MA?

The 2025 property tax bill for 12 Cross St, Ludlow, MA was $5,970. The county assessed it at $344,100.

More homes on Cross St

Closest homes

More homes in Ludlow 01056

Assigned schools

Explore the area

See this home in context

Open 12 Cross St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map