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980 Center St, Ludlow, MA, 01056

3beds
2baths
2,236sqft
$650,000
$291price/sqft
$4,915/moest. monthly cost
$196,600/yrincome needed

About This Home

Second chances don't come around often. Here is your chance! Beautiful 6 year old ranch in Ludlow. Welcome home to this bright and open floor plan. The first thing you will notice is the natural light and a very warm and open floor plan. Hardwood floors throughout the living areas with tile in the bathrooms. Large bedrooms with plenty of closet space. There is also a large bonus room which opens to the outside that could be used as a home office, kids area, exercise room, or just a quiet retreat. Once the good weather comes around you can enjoy the deck off the dining room. The deck overlooks the beautiful yard and the salt water, inground pool. Home is generator ready, just plug in and go. Full basement has plenty of room for all of your storage. Garage, central air, and first floor laundry add to the features. Owned solar panels to help with the ever rising utility costs.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

4/10
4/10
4/10
Ludlow Senior High SchoolGrades 9-121.7 mi

Construction

Condition

  • Year built: 2020

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Water Heater,Range,Dishwasher,Microwave,Refrigerator
  • Laundry features: Flooring - Hardwood,Cabinets - Upgraded,Electric Dryer Hookup,Washer Hookup,First Floor

Basement

  • Has basement: Yes
  • Basement: Full,Unfinished

Bathroom1

  • Features: Bathroom - Full, Bathroom - Tiled With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 84

Bathroom2

  • Features: Bathroom - Full, Bathroom - With Tub & Shower, Flooring - Stone/Ceramic Tile
  • Level: First
  • Area: 54

Bedroom2

  • Features: Ceiling Fan(s), Flooring - Hardwood, Closet - Double
  • Level: First
  • Area: 132

Bedroom3

  • Features: Ceiling Fan(s), Flooring - Hardwood, Closet - Double
  • Level: First
  • Area: 225

Bedrooms & Bathrooms

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

Dining Room

  • Features: Flooring - Hardwood, French Doors, Deck - Exterior
  • Level: First
  • Area: 437

Features

  • Closet - Double,Bonus Room
  • Door features: French Doors
  • Flooring: Tile,Hardwood,Flooring - Hardwood
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,236

Heating & Cooling

  • Heating features: Forced Air,Propane
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,236
  • Total interior livable area: 2,236 sqft

Kitchen

  • Features: Flooring - Hardwood, Countertops - Stone/Granite/Solid, Kitchen Island, Open Floorplan, Lighting - Pendant
  • Level: First
  • Area: 230

Living Room

  • Features: Ceiling Fan(s), Flooring - Hardwood, Open Floorplan
  • Level: First
  • Area: 245

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Ceiling Fan(s), Walk-In Closet(s), Flooring - Hardwood, Recessed Lighting
  • Level: First
  • Area: 222

Property

Details

  • Parcel number: M:25 B:3550 P:8A,4733638
  • Zoning: AG
  • Exclusions: Washer And Dryer

Features

  • Private pool: Yes
  • Pool features: In Ground
  • Patio & porch: Deck,Patio
  • Exterior features: Deck,Patio,Pool - Inground,Rain Gutters,Professional Landscaping,Sprinkler System
  • Fencing: Fenced/Enclosed

Lot

  • Lot size: 1.06 Acres

Parking

  • Total spaces: 6
  • Parking features: Attached,Garage Door Opener,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

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

  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Ice Storm
Winter Weather

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 $3,286$39,432
Home Insurance *$254$3,048
Property Taxes $935$11,220
Electricity $440$5,291
Total$4,915$58,980
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$168,514/yr
40% on housing$147,450/yr
45% on housing$131,066/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

$291This listing

vs Other Active Listings

Avg $/sqft

ZIP 01056$233
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)

Price History

DateEventPrice
2026-05-07Listed for sale$700,000
2026-04-01Listing removed$700,000
2026-04-01Listed for sale$700,000
2026-02-20Contingent$700,000
2026-02-12Listed for sale$700,000
2021-04-14Sold$460,000
2021-03-06Pending sale$450,000
2021-02-21Contingent$450,000
2021-01-22Listed for sale$450,000
2021-01-14Listing removed--
2021-01-10Listed for sale$450,000

For Sale by Agent

AgentThe Crowley Team
BrokerageKeller Williams Realty

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