110 Nora Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 110 Nora Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,048 sqft · built 1995
Lot Size	0.961 acres (41,861 sqft)
Owner	2 Individual Names on File
Last Sale	$410,000 (Jun 2026)
Tax Bill	$5,700 (2026)
Deeds & Mortgages	Jun 2026 Second Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:017-10827 B:132 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:017-10827 B:132 L:0`
Alternative APNs	`LUDL M:17 B:10827 P:132` `6181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,048 sqft Living Area
Gross Area	3,638 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,861 sqft (0.961 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	6181
Street Address	110 NORA LN
City	LUDLOW
State	MA
Zip	01056-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10827
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1005
Census Tract	810412

Owner

110 Nora Ln is owned and occupied by two individuals who bought it in June 2026.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	110 NORA LN, LUDLOW, MA 01056-1368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage
Jun 26, 2026	Quit Claim Deed, Transfer · Conventional Mortgage
Dec 14, 2022	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on File
Deed Sale	Jun 26, 2026 · Amount on File
Prior Sale	Dec 4, 1995 · Amount on File
Deed Document Number	2026243132
Prior Transfer Date	Jun 16, 2026
Prior Transfer Doc	0000243132
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jun 26, 2026
Property Address	110 NORA LN, LUDLOW, MA 01056-1368
Document Number	0000243134
Instrument Date	Jun 26, 2026
Instrument	2026243134
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 NORA LN, LUDLOW, MA 01056-1368

Mortgage

Document Number	0000243134,
Date	Jun 26, 2026
Instrument	2026243134

Lender

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 26, 2026
Property Address	110 NORA LN, LUDLOW, MA 01056-1368
Document Number	0000243132
Instrument Date	Jun 16, 2026
Instrument	2026243132
Transaction Type	Transfer
Record Updated	Jul 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	110 NORA LN, LUDLOW, MA 01056-1368

Mortgage

Date	Jun 26, 2026

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	110 NORA LN, LUDLOW, MA 01056-1368
Transaction Type	Mortgage
Record Updated	Dec 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000232554
Date	Dec 14, 2022
Instrument	232554

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 110 Nora Ln was $5,700, down 0.3% 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	$5,700.00 (-0.33%)	$356,000 (+8.01%) Land $116,200 Building $239,800	$384,879 (-6.59%)
2025	$5,719.00 (+1.13%)	$329,600 (+5.44%) Land $105,600 Building $224,000	$412,015 (+1.95%)
2024	$5,655.00 (+4.82%)	$312,600 (+13.06%) Land $105,600 Building $207,000	$404,130
2023	$5,395.00	$276,500 Land $92,700 Building $183,800

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

Flood

FEMA maps place 110 Nora Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2011 · rainfall accumulation

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 110 Nora Ln 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 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 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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