129 Pine Cone Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 129 Pine Cone Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,063 sqft · built 2001
Lot Size	1.12 acres (49,179 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Dec 2018)
Tax Bill	$8,282 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Jan 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:008-11440 B:28W L:0`

Property Details

APN / Parcel Number

Primary APN	`M:008-11440 B:28W L:0`
Alternative APNs	`LUDL M:8 B:11440 P:28W` `6570`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,063 sqft Living Area
Gross Area	4,979 sqft
Basement Area	1,165 sqft
Unfinished Basement	1,165 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	49,179 sqft (1.12 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6570
Street Address	129 PINE CONE LN
City	LUDLOW
State	MA
Zip	01056-1384
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	11440
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2001
Census Tract	810414

Owner

129 Pine Cone Ln is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	129 PINE CONE LN, LUDLOW, MA 01056-1384
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 11, 2018	Deed of Trust, Mortgage UNITED BANK
Jan 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Dec 7, 2018	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2018 · Amount on File
Deed Sale	Dec 7, 2018 · Amount on File
Prior Sale	Jun 7, 1999 · Amount on File
Deed Document Number	201872742
Deed Book / Page	22473 / 115
Prior Transfer Date	Nov 26, 2018
Prior Transfer Doc	22473-115
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	129 PINE CONE LN, LUDLOW, MA 01056-1384
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22211-501
Date	Jun 11, 2018
Book Page	22211/501
Instrument	32192

Lender

Name	UNITED BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jun 1, 2023

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	129 PINE CONE LN, LUDLOW, MA 01056-1384
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23627-105
Date	Jan 4, 2021
Book Page	23627/105
Instrument	170

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 7, 2018
Property Address	129 PINE CONE LN, LUDLOW, MA 01056-1384
Document Number	22473-115
Book / Page	022473 / 000115
Instrument Date	Nov 26, 2018
Instrument	72742
Transaction Type	Transfer
Record Updated	Dec 26, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,650.75
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	52 STANLEY ST LUDLOW MA 010561231, LUDLOW, MA 01056-1231

Mortgage

Document Number	22473-117
Date	Dec 7, 2018
Book Page	022473/000117
Instrument	72743

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 6, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 129 Pine Cone Ln was $8,282, up 1.3% 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	$8,282.00 (+1.28%)	$517,300 (+9.76%) Land $118,100 Building $399,200	$520,705 (-4.56%)
2025	$8,177.00 (+3.34%)	$471,300 (+7.75%) Land $107,400 Building $363,900	$545,585 (+5.55%)
2024	$7,913.00 (+2.97%)	$437,400 (+11.04%) Land $107,400 Building $330,000	$516,895
2023	$7,685.00	$393,900 Land $94,300 Building $299,600

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

Flood

FEMA maps place 129 Pine Cone Ln in Zone X, an area of minimal flood risk.

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	2 in force

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 129 Pine Cone 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 46 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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