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Single Family ResidenceResidential
$390,267$251 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $350,000 on Feb 7, 2023

38 STIVENS TER

LUDLOW, MA 01056
3
Beds
1
Baths
1,552 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.
0.69 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

$390K
$372K low$408K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$350,000 · Feb 7, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,555 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$347,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$91,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$255,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$317,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$364,663

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.21 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.1962
Lot (acres)The size of the land the home sits on, from county records.0.69
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(3)

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 · 0.6 mi
E
East Street Elementary School
Elementary · Grades PK–1 · 0.8 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 0.9 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 Stivens Ter 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 67% of homes in Hampden County
  • Has a bigger lot than 74% of homes in Hampden County
  • 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
$233K$748K

This home is worth more than 62% 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$390,267
CheaperTypical $355,726Pricier

Pricier than 62% of homes nearby

Price per ft²$251
CheaperTypical $244Pricier

Pricier than 56% of homes nearby

Living area1,552 ft²
SmallerTypical 1,530 ft²Bigger

Bigger than 51% of homes nearby

Lot size0.69 ac
SmallerTypical 0.4 acBigger

Bigger than 65% of homes nearby

Year built1952
OlderTypical 1964Newer

Newer than 21% of homes nearby

How 38 Stivens Ter ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$390,26762% of homes67% of homes
Price per ft²pricier than$25156% of homes56% of homes
Living areabigger than1,552 ft²51% of homes50% of homes
Lot sizebigger than0.69 ac65% of homes74% of homes
Year builtnewer than195221% of homes42% of homes

About 38 Stivens Ter

How much is 38 Stivens Ter, Ludlow, MA worth?

The TopHap Estimate for 38 Stivens Ter, Ludlow, MA is $390,267 as of Oct 21, 2026. The likely range is $372,437 to $408,097. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 38 Stivens Ter, Ludlow, MA last sell?

38 Stivens Ter, Ludlow, MA last sold on Feb 7, 2023 for $350,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 38 Stivens Ter, Ludlow, MA?

38 Stivens Ter, Ludlow, MA has 3 bedrooms, 1 bathrooms, 1,552 square feet of living space and a 0.69-acre lot.

When was 38 Stivens Ter, Ludlow, MA built?

38 Stivens Ter, Ludlow, MA was built in 1952, making it 74 years old. It is a ranch home. The building has 1 story.

What schools serve 38 Stivens Ter, Ludlow, MA?

38 Stivens Ter, 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 38 Stivens Ter, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 62% of them ($390,267 against a typical $355,726), its price per square foot is higher than 56% of them ($251 against a typical $244), it is bigger than 51% of them (1,552 ft² against a typical 1,530 ft²), its lot is bigger than 65% of them (0.69 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 67% 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 Stivens Ter, Ludlow, MA?

The 2026 property tax bill for 38 Stivens Ter, Ludlow, MA was $5,555. The county assessed it at $347,000.

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