40 W Belmont St, Ludlow MA 01056
Ludlow, MA 01056
$325,000
Est. $2,234/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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About this home
Presenting a distinguished single-family residence at 40 W Belmont St, Ludlow, MA. Constructed in 1954, this 1164 square foot property stands as an inviting home, meticulously prepared for immediate occupancy, offering a seamless transition for its next proprietor. The kitchen is thoughtfully appointed with stainless steel appliances and sophisticated stone counters, providing an environment conducive to culinary pursuits and elegant entertaining. This residence encompasses three well-proportioned bedrooms, offering versatile accommodations. A full bathroom serves the home, designed for both functionality and comfort. Complementing the interior, the property features a private yard, offering a tranquil outdoor retreat. The presence of a basement further expands the property's utility and storage capabilities. This meticulously maintained property presents an exceptional opportunity for discerning buyers seeking a ready-to-move-in home in Ludlow.
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Recently Sold Nearby
Property History
Property Timeline
Listed for Sale
Sep 28, 2026
$325,000
Original listing
Agent: Patriot Living Group
Office: Lock and Key Realty Inc.
| Date | Event | Price | Change | $/sqft | Details |
|---|---|---|---|---|---|
| 09/28/2026 | 🏠 Listed for Sale | $325,000 | - | - | Original listing |
Tax History
| Year | Taxes | Assessment |
|---|---|---|
| 2026 | $4,686 | $292,700 |
Financial Details
Annual Property Tax
$4,686
Tax Year 2026
Assessed Value
$292,700
Facts & Features
Home Facts
Type
Residential
Style
Single Family Residence
Year Built
1954
Living Area
1,164 sq ft
Lot Size
0.24 acres
Bedrooms
3
Full Baths
1
Total Rooms
5
Interior
Heating
Baseboard, Oil
Cooling
None
Flooring
Wood, Tile, Hardwood
Appliances
Range, Dishwasher, Microwave, Refrigerator
Fireplace
None
Basement
Full
Laundry
None
Features
None
Exterior
Construction
Frame
Architecture
Ranch
Roof
Shingle
Features
Porch - Enclosed, Storage
Pool
None
Spa
None
Fencing
None
Patio/Porch
Porch - Enclosed
Parking
Features
Paved Drive
Total Spaces
3
Utilities
Electric
None
Water
Public
Sewer
Private Sewer
Gas
None
Other
None
Financial
Annual Tax
$4,686
Assessed Value
$292,700
HOA & Community
Fee Includes
None
Amenities
None
Optional Fee Includes
None
MA Disclosures
Lead Paint
Unknown
Seller Disclosures
Conditional Pass On Title V. Tank Is Cracked. Will Be Replaced And Compliant Prior To Closing.
Additional Details
Possession
None
Accepted Financing
None
Structure Type
[]
Sq Ft Source
Public Record
Documents
None
County
Hampden
Property Overview
Property Type
Single Family Residence
Listing Type
For Sale
Year Built
1954
Bedrooms
3
Full Bathrooms
1
Living Area
1,164 sq ft
Total Rooms
5
Floor Layout
Interactive room guide
Floor Layout
Finished Area
1,164 sq ft above grade
Display Options
Outdoor Areas
Patio & porchPorch - Enclosed
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:
Wood, Tile, Hardwood
Appliances:
Range, Dishwasher, Microwave, Refrigerator
Interior Features:
Windows:
Basement:
Full
Laundry:
Security:
Construction & Materials
Style:
Ranch
Year Built:
1954
Structure Type:
Exterior Materials:
Frame
Roof:
Shingle
Foundation:
Block
Heating, Cooling & Utilities
Heating:
Baseboard, Oil
Cooling:
None
Hot Water:
Water Source:
Public
Sewer:
Private Sewer
Energy Features:
Exterior & Lot
Exterior Features:
Porch - Enclosed, Storage
Patio & Porch:
Porch - Enclosed
Fencing:
Other Structures:
Lot Features:
Level
Road Surface:
Parking & Garage
Total Parking Spaces:
3
Parking Features:
Paved Drive
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
1.6 mi
Grades PK-08
B
Harris Brook Elementary School
1.1 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
East Street Elementary School
2.0 mi
358 students
Moderate
Grades PK-01
High Schools
1 school
B-
Ludlow Senior High School
2.3 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
Learn about these ratings
Monthly Payment Calculator
Monthly Payment
$0
Principal, interest, taxes & insurance
Loan Amount
$0
After down payment
Total Interest
$0
Over life of loan
Total Cost
$0
Including down payment
%
Down: $0
%
Monthly Payment Breakdown
Principal & Interest
$0
Property Tax
$391
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
-0.5% Rate
$0/mo
Save $0/mo
Current Rate
$0/mo
+0.5% Rate
$0/mo
Cost $0/mo
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
40 W Belmont St, Ludlow MA 01056
Ludlow, MA 01056
Listing Information
Listing Agent
Patriot Living Group
Listing Office
Lock and Key Realty Inc.
Office Phone
413-282-8080
Agent MLS ID
TM336290
Office MLS ID
AN5521
Listing Data Updated
Sep 28, 2026 12:11 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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