131 Dowd Ct, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 131 Dowd Ct, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,530 sqft · built 2004
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on File
Last Sale	$530,000 (Aug 2005)
Tax Bill	$12,377 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:032-04825 B:23M L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-04825 B:23M L:0`
Alternative APNs	`LUDL M:32 B:4825 P:23M` `9371`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,530 sqft Living Area
Gross Area	9,115 sqft
Basement Area	1,988 sqft
Unfinished Basement	1,988 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9371
Street Address	131 DOWD CT
City	LUDLOW
State	MA
Zip	01056-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4825
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

131 Dowd Ct is owned and occupied by an individual who bought it in August 2005.

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

Owner of Record	Individual Name on File
Mailing Address	131 DOWD CT, LUDLOW, MA 01056-1744
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 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREENFIELD COOPERATIVE BANK
Oct 7, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2005 · Amount on File
Deed Sale	Aug 15, 2005 · Amount on File
Deed Document Number	2005122326
Deed Book / Page	15249 / 295
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jun 29, 2026
Property Address	131 DOWD CT, LUDLOW, MA 01056-1744
Document Number	0000029850
Book / Page	26394 / 424
Instrument Date	Jun 23, 2026
Instrument	202629850
Transaction Type	Mortgage
Record Updated	Jul 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 DOWD CT, LUDLOW, MA 01056-1744

Mortgage

Document Number	0000029850,
Date	Jun 29, 2026
Book Page	26394/424
Instrument	202629850

Lender

Name	GREENFIELD COOPERATIVE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	131 DOWD CT, LUDLOW, MA 01056-1744
Transaction Type	Mortgage
Record Updated	Oct 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24171-14
Date	Oct 7, 2021
Book Page	24171/14
Instrument	71244

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 131 Dowd Ct was $12,377, up 0.6% 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	$12,377.00 (+0.63%)	$773,100 (+9.06%) Land $107,200 Building $665,900	$767,681 (+4.07%)
2025	$12,299.00 (+3.76%)	$708,900 (+8.2%) Land $97,500 Building $611,400	$737,675 (+0.99%)
2024	$11,853.00 (+2.61%)	$655,200 (+10.66%) Land $97,500 Building $557,700	$730,455
2023	$11,552.00	$592,100 Land $85,600 Building $506,500

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

Flood

FEMA maps place 131 Dowd Ct 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 131 Dowd Ct 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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