104 Colonial Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 104 Colonial Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,056 sqft · built 1983
Lot Size	0.883 acres (38,463 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Sep 2006)
Tax Bill	$6,812 (2026)
Deeds & Mortgages	Apr 2024 Refinance Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:018-04250 B:76 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-04250 B:76 L:0`
Alternative APNs	`LUDL M:18 B:4250 P:76` `2456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,056 sqft Living Area
Gross Area	3,484 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,463 sqft (0.883 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	2456
Street Address	104 COLONIAL DR
City	LUDLOW
State	MA
Zip	01056-1172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	MUNSING MANOR ESTATE
Legal Block	4250
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2006
Census Tract	810414

Owner

104 Colonial Dr is owned and occupied by two individuals who bought it in September 2006.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 COLONIAL DR, LUDLOW, MA 01056-1172
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Oct 30, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE
Jan 2, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2006 · Amount on File
Deed Sale	Sep 25, 2006 · Amount on File
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	104 COLONIAL DR, LUDLOW, MA 01056-1172
Transaction Type	Mortgage
Record Updated	May 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025392-531
Date	Apr 24, 2024
Book Page	25392/531
Instrument	17153

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	May 1, 2044

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	104 COLONIAL DR, LUDLOW, MA 01056-1172
Transaction Type	Mortgage
Record Updated	Nov 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025208-98
Date	Oct 30, 2023
Book Page	25208/98
Instrument	51437

Lender

Name	ROCKET MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	104 COLONIAL DR, LUDLOW, MA 01056-1172
Document Number	23058-114
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 COLONIAL DR LUDLOW MA 010561172, LUDLOW, MA 01056-1172

Mortgage

Document Number	23058-114
Date	Jan 24, 2020
Book Page	023058/000114
Instrument	4147

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 104 Colonial Dr was $6,812, up 0.6% from the year before.

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Ludlow Town
Unified School District	Ludlow School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,812.00 (+0.62%)	$425,500 (+9.05%) Land $113,400 Building $312,100	$452,412 (-1.03%)
2025	$6,770.00 (+3.23%)	$390,200 (+7.64%) Land $103,100 Building $287,100	$457,140 (+14.06%)
2024	$6,558.00 (+2.69%)	$362,500 (+10.75%) Land $103,000 Building $259,500	$400,805
2023	$6,386.00	$327,300 Land $90,400 Building $236,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Colonial Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 104 Colonial Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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