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403-405 West Ave, Ludlow, MA, 01056

3beds
2baths
1,180sqft
$360,000
$305price/sqft
$2,831/moest. monthly cost
$113,240/yrincome needed

About This Home

Brand New Roof New Windows on Porch Floors upgraded Build able lot

Getting Around

77
WalkingVery Walkable
0
TransitVery Limited Transit
49
BikeSomewhat Bikeable

Schools

4/10
4/10
Ludlow Senior High SchoolGrades 9-121.1 mi

Construction

Condition

  • Year built: 1925

Materials

  • Roof: Shake / Shingle
  • Construction materials: Frame

Type & Style

  • Home type: MultiFamily

Interior

Appliances

  • Appliances included: Range / Oven,Refrigerator

Basement

  • Basement: Partially finished

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Flooring: Tile,Other,Hardwood

Heating & Cooling

  • Heating features: Baseboard,Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 1,180 sqft

Property

Details

  • Parcel number: LUDLM12DB17600P50

Features

  • Exterior features: Vinyl

Lot

  • Lot size: 0.37 Acres

Parking

  • Total spaces: 4
  • Parking features: Garage - Attached,Off-street

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Inland Flooding
Ice Storm

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,820$21,840
Home Insurance *$140$1,680
Property Taxes $517$6,204
Electricity $354$4,259
Total$2,831$33,972
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$97,062/yr
40% on housing$84,930/yr
45% on housing$75,493/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$305This listing

vs Other Active Listings

Avg $/sqft

ZIP 01056$235
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01056$243
Hampden County$227

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-10Listed for sale$360,000

For Sale by Owner

AgentProperty Owner

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