FeaturesFlooring - Vinyl, Deck - Exterior, Open Floorplan, Slider, Peninsula
LevelFirst
14 Philip St, Ludlow MA 01056
Ludlow, MA 01056
$404,000
Est. $2,599/month
Estimate assumptions
20% down, a 30-year loan at 6.5%, and $200/month estimated insurance.
Includes the supplied property-tax and HOA inputs; missing inputs contribute $0. HOA fees with an unspecified frequency are treated as monthly. PMI and closing costs are excluded.
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Open House Schedule
12
Sep
Saturday, September 12
11:30 AM - 1:30 PM EDT
About this home
LUDLOW RANCH WITH SOLAR SAVINGS! Imagine the possibility of little to no electric bill during certain months, thanks to the leased solar panels! Electricity costs and solar production will vary. Welcome to this inviting 3-bedroom, 2-bath ranch offering comfortable single-level living with plenty of additional space in the beautifully finished lower level. The open kitchen and dining area create an easy flow for everyday living and entertaining, featuring a peninsula, vinyl flooring and sliders leading to the new composite deck and concrete walkway, completed in 2026. The bright living room offers hardwood flooring, a charming bay window, ceiling fan and exterior access. Hardwood floors continue throughout all three main-level bedrooms.The finished lower level adds approximately 1000 square feet of versatile space and greatly expands the possibilities of this home. Here you will find a spacious family room with a pellet stove, game room, second full bathroom with shower, laundry area, a room currently used as a fourth bedroom, and an additional flex room with a closet—ideal for a home office, guest space, hobby room or exercise area. Ceramic tile flooring and custom built-in storage add function and convenience.Outside, enjoy a level, fenced yard with garden space, a playscape, and a covered deck area with a motorized awning. There is also a storage shed for lawn and gardening equipment. The attached one-car garage, improved paved driveway and generous off-street parking provide added convenience.Notable updates include the new composite deck and concrete walkway (2026), dishwasher (2025), roof (2020), central air and windows (2014), garage door and fencing (2014), and electric boiler (2010). Additional features include city water, city sewer, tankless electric hot water, leased solar panels and an all-electric home. Conveniently located near shopping, parks, schools, golf and highway access, this well-loved home offers space, flexibility and a wonderful opportunity for its next owner!
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 11, 2026
$404,000
Original listing
Agent: Sara Gasparrini
Office: REMAX Connections
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/11/2026 | 🏠 Listed for Sale | $404,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,268 | $266,600 |
Financial Details
Annual Property Tax
$4,268
Tax Year 2026
Assessed Value
$266,600
Facts & Features
1 Car Garage
Central AC
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1953
Living Area
1,162 sq ft
Lot Size
0.27 acres
Bedrooms
3
Full Baths
2
Total Rooms
5
Interior
Heating
Electric Baseboard, Electric
Cooling
Central Air
Flooring
Vinyl, Hardwood, Flooring - Stone/ceramic Tile
Appliances
Electric Water Heater, Tankless Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Fireplace
None
Basement
Full, Finished, Bulkhead
Laundry
Closet/cabinets - Custom Built, Flooring - Stone/ceramic Tile, In Basement, Electric Dryer Hookup, Washer Hookup
Features
Game Room
Exterior
Construction
Frame
Architecture
Ranch
Roof
Shingle
Features
Porch, Deck - Composite, Covered Patio/deck, Storage, Fenced Yard, Garden, Other
Pool
None
Spa
None
Fencing
Fenced/enclosed, Fenced
Patio/Porch
Porch, Deck - Composite, Covered
Parking
Garage Spaces
1
Has Garage
Yes
Features
Attached, Off Street, Driveway, Paved
Total Spaces
5
Utilities
Electric
None
Water
Public
Sewer
Public Sewer
Gas
None
Other
For Electric Range, For Electric Dryer, Washer Hookup
Financial
Annual Tax
$4,268
Assessed Value
$266,600
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Trexdeck+concrete Walk(2026) Roof(2020)windows(2014)electric Boiler(2010)dishwasher(2025)c-air(2014) Solar Panels Are Leased, Seller To Provide More Information .
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
House Color
White
Sq Ft Source
Public Record
Sq Ft Disclosures
approx sq ft in basement is an estimate; nicely finished for 4th Bedroom, LR, Gameroom,2nd full bath
Documents
None
County
Hampden
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1953
Bedrooms
3
Full Bathrooms
2
Living Area
1,162 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,162 sq ft above grade
1,000 sq ft below grade
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood
LevelFirst
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood
LevelFirst
FeaturesBathroom - Full, Bathroom - With Tub & Shower
LevelFirst
FeaturesCeiling Fan(s), Flooring - Vinyl, Deck - Exterior, Slider
LevelFirst
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood, Window(s) - Bay/Bow/Box, Exterior Access
LevelFirst
FeaturesCeiling Fan(s), Closet, Flooring - Hardwood
LevelFirst
FeaturesCloset/Cabinets - Custom Built, Flooring - Stone/Ceramic Tile
LevelBasement
FeaturesBathroom - Full, Bathroom - With Shower Stall, Flooring - Stone/Ceramic Tile
LevelBasement
FeaturesWood / Coal / Pellet Stove, Closet/Cabinets - Custom Built, Flooring - Stone/Ceramic Tile
LevelBasement
FeaturesNo
Display Options
Outdoor Areas
Patio & porchPorch, Deck - Composite, Covered
Room Markers
OOffice (1)
KKitchen (1)
BRBedroom (5)
BABathroom (4)
DDining (1)
LLiving (2)
Conceptual diagram based on MLS room data. It is not to scale and is not a substitute for architectural plans or on-site measurements.
Interior Features
Flooring:
Vinyl, Hardwood, Flooring - Stone/Ceramic Tile
Appliances:
Electric Water Heater, Tankless Water Heater, Range, Dishwasher, Disposal, Microwave, Refrigerator, Washer, Dryer
Interior Features:
Game Room
Windows:
Insulated Windows, Storm Window(s)
Basement:
Full, Finished, Bulkhead
Laundry:
Closet/Cabinets - Custom Built, Flooring - Stone/Ceramic Tile, In Basement, Electric Dryer Hookup, Washer Hookup
Security:
Construction & Materials
Style:
Ranch
Year Built:
1953
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Concrete Perimeter
Heating, Cooling & Utilities
Heating:
Electric Baseboard, Electric
Cooling:
Central Air
Hot Water:
Water Source:
Public
Sewer:
Public Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch, Deck - Composite, Covered Patio/Deck, Storage, Fenced Yard, Garden, Other
Patio & Porch:
Porch, Deck - Composite, Covered
Fencing:
Fenced/Enclosed, Fenced
Other Structures:
Lot Features:
Level
Road Surface:
Paved
Parking & Garage
Garage Spaces:
1
Garage Type:
Attached
Total Parking Spaces:
5
Parking Features:
Attached, Off Street, Driveway, Paved
Nearby Schools
School District
Ludlow School District local
C
School Safety
2024-25
3.9%
Above Average
3.9%
Suspensions
0.3%
In-School
1.6% below state avg
Elementary Schools
3 schools
St. John The Baptist School
0.4 mi
Grades PK-08
East Street Elementary School
0.7 mi
358 students
Moderate
Grades PK-01
B
Harris Brook Elementary School
1.0 mi
|
#388 of 825
|
Score: 48.1
Improved 217 spots from last year
-10.1 below state avg
578 students
Moderate
Rising School
Strong Attendance
Grades 02-05
High Schools
1 school
B-
Ludlow Senior High School
1.1 mi
|
#194 of 346
|
Score: 52.7
Dropped 44 spots from last year
-5.5 below state avg
724 students
Moderate
18 sports
• 1,236 athletes
Strong AP Program
Career Tech Programs
Strong Athletics
Grades 09-12
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Monthly Payment Calculator
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Loan Amount
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After down payment
Total Interest
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Over life of loan
Total Cost
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Including down payment
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Down: $0
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Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$356
Homeowners Insurance
$200
PMI (if <20% down)
$0
Loan Summary
Total of 360 payments
$0
Total principal paid
$0
Total interest paid
$0
Rate Impact
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Payment Over Time
Year 1
95% Interest
Year 15
50/50
Year 30
95% Principal
* Estimates only. Actual payments may vary. Consult with a lender for accurate figures.
Location
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Neighborhood
14 Philip St, Ludlow MA 01056
Ludlow, MA 01056
Listing Information
Listing Agent
Sara Gasparrini
Listing Office
REMAX Connections
Office Phone
413-596-8500
Agent MLS ID
M7000017
Office MLS ID
AN5402
Listing Data Updated
Sep 10, 2026 11:05 PM EDT
Listing information is deemed reliable but not guaranteed. Data provided by MLS Property Information Network, Inc. All information should be independently verified.
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