110 Tower Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 110 Tower Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,080 sqft · built 1951
Lot Size	1.19 acres (52,011 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Jul 2020)
Tax Bill	$5,744 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:031-15100 B:51 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:031-15100 B:51 L:0`
Alternative APNs	`LUDL M:31 B:15100 P:51` `7847`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	3,480 sqft
Basement Area	1,080 sqft
Unfinished Basement	1,080 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	52,011 sqft (1.19 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7847
Street Address	110 TOWER RD
City	LUDLOW
State	MA
Zip	01056-1560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	15100
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	110 TOWER RD, LUDLOW, MA 01056-1560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) GREATER SPRINGFIELD CREDIT UNION
Jul 20, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEW JERSEY LENDERS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Prior Sale	Mar 8, 2012 · Amount on Record
Deed Book / Page	23317 / 312
Prior Transfer Date	Jul 14, 2020
Prior Transfer Doc	23317-312
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	110 TOWER RD, LUDLOW, MA 01056-1560
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025106-235
Date	Aug 7, 2023
Book Page	25106/235
Instrument	36436

Lender

Name	GREATER SPRINGFIELD CREDIT UNION

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Sep 1, 2028

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 20, 2020
Property Address	110 TOWER RD, LUDLOW, MA 01056-1560
Document Number	23317-312
Book / Page	23317 / 312
Instrument Date	Jul 14, 2020
Instrument	38682
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	1672 N MAIN ST, PALMER, MA 01069-1034

Mortgage

Document Number	38683
Date	Jul 20, 2020
Instrument	38683

Lender

Name	NEW JERSEY LENDERS CORP
Type	Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$5,744.00 (+0.21%)	$358,800 (+8.6%) Land $76,700 Building $282,100	$337,973 (-6.8%)
2025	$5,732.00 (+5.93%)	$330,400 (+10.46%) Land $69,800 Building $260,600	$362,615 (+18.06%)
2024	$5,411.00 (+6.92%)	$299,100 (+15.3%) Land $69,700 Building $229,400	$307,135
2023	$5,061.00	$259,400 Land $58,000 Building $201,400

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

Flood

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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