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Single Family ResidenceResidential
$431,681$136 / 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 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026

38 DAVIS ST

LUDLOW, MA 01056
4
Beds
3.5
Baths
3,170 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.
0.19 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
10
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$432K
$400K low$464K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,153 (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.$412,300 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$69,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$343,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$558,125

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.39
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
4
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.Colonial
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.19
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
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(2)

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 · 1.2 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 1.5 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

38 Davis 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 76% of homes in Hampden County
  • Among the lowest price per square foot in Ludlow 01056
  • Bigger than 97% of homes in Ludlow 01056
  • Has a smaller lot than 85% of homes in Ludlow 01056
  • Newer than 88% 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
$225K$693K

This home is worth more than 74% 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$431,681
CheaperTypical $345,839Pricier

Pricier than 74% of homes nearby

Price per ft²$136
CheaperTypical $240Pricier

Cheaper than almost all homes nearby

Living area3,170 ft²
SmallerTypical 1,536 ft²Bigger

Bigger than 97% of homes nearby

Lot size0.19 ac
SmallerTypical 0.4 acBigger

Bigger than 15% of homes nearby

Year built1992
OlderTypical 1964Newer

Newer than 80% of homes nearby

How 38 Davis St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$431,68174% of homes76% of homes
Price per ft²pricier than$136almost no homes3% of homes
Living areabigger than3,170 ft²97% of homes94% of homes
Lot sizebigger than0.19 ac15% of homes28% of homes
Year builtnewer than199280% of homes88% of homes

About 38 Davis St

How much is 38 Davis St, Ludlow, MA worth?

The TopHap Estimate for 38 Davis St, Ludlow, MA is $431,681 as of Aug 30, 2026. The likely range is $399,831 to $463,531. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Davis St, Ludlow, MA last sell?

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

How big is 38 Davis St, Ludlow, MA?

38 Davis St, Ludlow, MA has 4 bedrooms, 3.5 bathrooms, 3,170 square feet of living space and a 0.19-acre lot.

When was 38 Davis St, Ludlow, MA built?

38 Davis St, Ludlow, MA was built in 1992, making it 34 years old. It is a colonial home. The building has 2 stories.

What schools serve 38 Davis St, Ludlow, MA?

38 Davis 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 38 Davis St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 74% of them ($431,681 against a typical $345,839), its price per square foot is higher than almost none of them ($136 against a typical $240), it is bigger than 97% of them (3,170 ft² against a typical 1,536 ft²), its lot is bigger than 15% of them (0.19 ac against a typical 0.4 ac) and it is newer than 80% of them (1992 against a typical 1964). Measured against all of Hampden County, it is worth more than 76% 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 38 Davis St, Ludlow, MA?

The 2025 property tax bill for 38 Davis St, Ludlow, MA was $7,153. The county assessed it at $412,300.

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