12 Valley View Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 12 Valley View Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,064 sqft · built 1994
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on File
Last Sale	$136,975 (Jan 1995)
Tax Bill	$5,887 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:010-15300 B:270 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-15300 B:270 L:0`
Alternative APNs	`LUDL M:10 B:15300 P:270` `7868`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,064 sqft Living Area
Gross Area	3,486 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2008
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7868
Street Address	12 VALLEY VIEW DR
City	LUDLOW
State	MA
Zip	01056-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	15300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
Census Tract	810414

Owner

12 Valley View Dr is owned and occupied by two individuals who bought it in January 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 VALLEY VIEW DR, LUDLOW, MA 01056-3807
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
Jun 6, 2025	Deed of Trust, Mortgage · Line of Credit PEOPLESBANK (HOLYOKE MA)
Oct 21, 2019	Deed of Trust, Mortgage · Balloon Mortgage LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 1995 · Amount on File
Deed Sale	Jan 12, 1995 · Amount on File
Deed Book / Page	9038 / 531
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	12 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025891-120
Date	Jun 6, 2025
Book Page	25891/120

Lender

Name	PEOPLESBANK (HOLYOKE MA)

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2045

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	12 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22911-269
Date	Oct 21, 2019
Book Page	22911/269
Instrument	61203

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Valley View Dr was $5,887, down 3.3% 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	$5,887.00 (-3.25%)	$367,700 (+4.85%) Land $99,000 Building $268,700	$341,273 (-11.52%)
2025	$6,085.00 (+1.81%)	$350,700 (+6.14%) Land $90,000 Building $260,700	$385,700 (+5.78%)
2024	$5,977.00 (+4.17%)	$330,400 (+12.34%) Land $89,900 Building $240,500	$364,610
2023	$5,738.00	$294,100 Land $82,300 Building $211,800

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

Flood

FEMA maps place 12 Valley View Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Valley View 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	None beyond ember reach

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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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