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Single Family ResidenceResidential
$377,983$320 / 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 96How 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 $286,000 on Nov 24, 2021

195 WEST ST

LUDLOW, MA 01056
3
Beds
2
Baths
1,182 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.
0.29 ac
Lot SizeThe size of the land the home sits on, from county records.
1985
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

$378K
$361K low$395K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$286,000 · Nov 24, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,682 (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.$327,500 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$68,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$259,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$326,515

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.40
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
6
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
64
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
36
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.

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.1999
Lot (acres)The size of the land the home sits on, from county records.0.29
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.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.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.

H
Ludlow Senior High SchoolC
High · Grades 9–12 · 2.4 mi
E
East Street Elementary School
Elementary · Grades PK–1 · 2.4 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 2.7 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

195 West 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.

  • Costs more per square foot than 93% of homes in Ludlow 01056
  • Smaller than 76% of homes in Ludlow 01056
  • Newer than 81% 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
$235K$734K

This home is worth more than 57% 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$377,983
CheaperTypical $360,425Pricier

Pricier than 57% of homes nearby

Price per ft²$320
CheaperTypical $248Pricier

Pricier than 93% of homes nearby

Living area1,182 ft²
SmallerTypical 1,528 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.29 ac
SmallerTypical 0.39 acBigger

Bigger than 36% of homes nearby

Year built1985
OlderTypical 1964Newer

Newer than 71% of homes nearby

How 195 West St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$377,98357% of homes64% of homes
Price per ft²pricier than$32093% of homes92% of homes
Living areabigger than1,182 ft²24% of homes27% of homes
Lot sizebigger than0.29 ac36% of homes49% of homes
Year builtnewer than198571% of homes81% of homes

About 195 West St

How much is 195 West St, Ludlow, MA worth?

The TopHap Estimate for 195 West St, Ludlow, MA is $377,983 as of Sep 24, 2026. The likely range is $361,075 to $394,891. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 195 West St, Ludlow, MA last sell?

195 West St, Ludlow, MA last sold on Nov 24, 2021 for $286,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 195 West St, Ludlow, MA?

195 West St, Ludlow, MA has 3 bedrooms, 2 bathrooms, 1,182 square feet of living space and a 0.29-acre lot.

When was 195 West St, Ludlow, MA built?

195 West St, Ludlow, MA was built in 1985, making it 41 years old. It is a ranch home. The building has 1 story.

What schools serve 195 West St, Ludlow, MA?

195 West St, Ludlow, MA is assigned to Ludlow Senior High School (high), rated C; East Street Elementary School (elementary); 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 195 West St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 57% of them ($377,983 against a typical $360,425), its price per square foot is higher than 93% of them ($320 against a typical $248), it is bigger than 24% of them (1,182 ft² against a typical 1,528 ft²), its lot is bigger than 36% of them (0.29 ac against a typical 0.39 ac) and it is newer than 71% of them (1985 against a typical 1964). Measured against all of Hampden County, it is worth more than 64% 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 195 West St, Ludlow, MA?

The 2025 property tax bill for 195 West St, Ludlow, MA was $5,682. The county assessed it at $327,500.

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