130 Watson Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 130 Watson Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,668 sqft · built 2013
Lot Size	3.93 acres (171,191 sqft)
Owner	2 Individual Names on Record
Tax Bill	$9,638 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:041-17390 B:26K L:0`

Property Details

APN / Parcel Number

Primary APN	`M:041-17390 B:26K L:0`
Alternative APNs	`LUDL M:41 B:17390 P:26K` `9731`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,668 sqft Living Area
Gross Area	5,338 sqft
Basement Area	1,676 sqft
Unfinished Basement	1,676 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	171,191 sqft (3.93 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9731
Street Address	130 WATSON LN
City	LUDLOW
State	MA
Zip	01056-1751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17390
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
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	130 WATSON LN, LUDLOW, MA 01056-1751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK
Jan 11, 2018	Deed of Trust, Mortgage · Closed-End Mortgage UNITED BANK
Apr 2, 2019	Deed of Trust, Mortgage · Balloon Mortgage COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	130 WATSON LN, LUDLOW, MA 01056-1751
Transaction Type	Mortgage
Record Updated	May 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23839-131
Date	Apr 23, 2021
Book Page	23839/131
Instrument	27312

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	130 WATSON LN, LUDLOW, MA 01056-1751
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22022-543
Date	Jan 11, 2018
Book Page	22022/543
Instrument	1743

Lender

Name	UNITED BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	130 WATSON LN, LUDLOW, MA 01056-1751
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22609-4
Date	Apr 2, 2019
Book Page	22609/4
Instrument	16180

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2044

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	$9,638.00 (+1.62%)	$602,000 (+10.14%) Land $106,000 Building $496,000	$622,229 (+12.67%)
2025	$9,484.00 (+4.27%)	$546,600 (+8.71%) Land $97,200 Building $449,400	$552,235 (+2.04%)
2024	$9,096.00 (+3.23%)	$502,800 (+11.34%) Land $97,300 Building $405,500	$541,215
2023	$8,811.00	$451,600 Land $80,900 Building $370,700

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	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 60 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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