116 Warwick Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 116 Warwick Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,524 sqft · built 1970
Lot Size	0.482 acres (20,996 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Aug 2015)
Tax Bill	$5,704 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit May 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:040-17200 B:106 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:040-17200 B:106 L:0`
Alternative APNs	`LUDL M:40 B:17200 P:106` `8085`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,524 sqft Living Area
Gross Area	4,588 sqft
Basement Area	1,524 sqft
Unfinished Basement	1,524 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,996 sqft (0.482 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8085
Street Address	116 WARWICK DR
City	LUDLOW
State	MA
Zip	01056-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	17200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
Census Tract	810414

Owner

116 Warwick Dr is owned and occupied by an individual who acquired it in January 2021.

Source: Hampden County and Ludlow Town records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 3, 2021	Deed of Trust, Mortgage · Line of Credit LUSO FCU
May 15, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Feb 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Aug 9, 2023	Warranty Deed, Transfer · ARM LUSO FCU
Feb 3, 2021	Warranty Deed, Transfer · Stand-Alone Refinance LUSO FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2015 · Amount on File
Deed Sale	Aug 6, 2015 · Amount on File
Prior Sale	Jul 22, 2011 · Amount on File
Deed Document Number	201542744
Deed Book / Page	20819 / 343
Last Transfer Date	Jan 29, 2021
Transfer Doc	23690-502
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023691-109
Date	Feb 3, 2021
Book Page	23691/109
Instrument	7992

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

Interest

Rate Type	Adjustable Rate

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025419-229
Date	May 15, 2024
Book Page	25419/229
Instrument	20767

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023690-505
Date	Feb 3, 2021
Book Page	23690/505
Instrument	7961

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Mar 1, 2040

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 9, 2023
Property Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Document Number	025109-262
Book / Page	25109 / 262
Instrument Date	Aug 3, 2023
Instrument	36896
Transaction Type	Transfer
Record Updated	Jul 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 WARWICK DR, LUDLOW, MA 01056-1657

Mortgage

Document Number	0000036897
Date	Aug 9, 2023
Instrument	36897

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Type Change Date	Sep 1, 2028
Index	1-Year CMT

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 3, 2021
Property Address	116 WARWICK DR, LUDLOW, MA 01056-1657
Document Number	023690-502
Book / Page	23690 / 502
Instrument Date	Jan 29, 2021
Instrument	7960
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	116 WARWICK DR, LUDLOW, MA 01056-1657

Mortgage

Document Number	023690-505
Date	Feb 3, 2021
Book Page	23690/505
Instrument	7961

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Mar 1, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 116 Warwick Dr was $5,704, up 0.8% 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	$5,704.00 (+0.85%)	$356,300 (+9.29%) Land $84,900 Building $271,400	$368,628 (-1.79%)
2025	$5,656.00 (+6.16%)	$326,000 (+10.7%) Land $77,200 Building $248,800	$375,345 (+1.05%)
2024	$5,328.00 (+5.78%)	$294,500 (+14.06%) Land $77,500 Building $217,000	$371,450
2023	$5,037.00	$258,200 Land $64,400 Building $193,800

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

Flood

FEMA maps place 116 Warwick Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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

Wildfire risk around 116 Warwick 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	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 94 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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