120 Piney Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 120 Piney Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 2003
Lot Size	0.287 acres (12,502 sqft)
Owner	2 Individual Names on File
Last Sale	$281,500 (Mar 2018)
Tax Bill	$6,675 (2026)
Deeds & Mortgages	Feb 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:040-11450 B:39 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:040-11450 B:39 L:0`
Alternative APNs	`LUDL M:40 B:11450 P:39` `6594`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	6,325 sqft
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,502 sqft (0.287 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6594
Street Address	120 PINEY LN
City	LUDLOW
State	MA
Zip	01056-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	11450
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3006
Census Tract	810414

Owner

120 Piney Ln is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 PINEY LN, LUDLOW, MA 01056-1637
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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 8, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 18, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Mar 19, 2018	Quit Claim Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on File
Deed Sale	Mar 19, 2018 · Amount on File
Prior Sale	Dec 18, 1998 · Amount on File
Deed Book / Page	22098 / 383
Transfer Doc	022098-383
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	120 PINEY LN, LUDLOW, MA 01056-1637
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024395-592
Date	Feb 8, 2022
Book Page	24395/592
Instrument	8211

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	120 PINEY LN, LUDLOW, MA 01056-1637
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23213-187
Date	May 18, 2020
Book Page	23213/187
Instrument	24922

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 19, 2018
Property Address	120 PINEY LN, LUDLOW, MA 01056-1637
Document Number	22098-383
Book / Page	22098 / 383
Instrument	14057
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.76
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 PINEY LN, LUDLOW, MA 01056-1637

Mortgage

Document Number	220980386
Date	Mar 19, 2018
Instrument	22098/0386

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 19, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 120 Piney Ln was $6,675, down 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	$6,675.00 (-0.82%)	$416,900 (+7.48%) Land $91,100 Building $325,800	$432,483 (-9.96%)
2025	$6,730.00 (+2.75%)	$387,900 (+7.13%) Land $82,800 Building $305,100	$480,320 (+25.58%)
2024	$6,550.00 (+5.61%)	$362,100 (+13.9%) Land $82,700 Building $279,400	$382,470
2023	$6,202.00	$317,900 Land $68,800 Building $249,100

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

Flood

FEMA maps place 120 Piney Ln in Zone X, an area of minimal flood risk, within 500 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 500 ft
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 120 Piney 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	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 25 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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