140 Dowd Ct, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 140 Dowd Ct, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,383 sqft · built 2002
Lot Size	0.923 acres (40,206 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Aug 2024)
Tax Bill	$8,477 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Oct 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:032-04825 B:23H L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-04825 B:23H L:0`
Alternative APNs	`LUDL M:32 B:4825 P:23H` `9367`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,383 sqft Living Area
Gross Area	6,035 sqft
Basement Area	1,319 sqft
Unfinished Basement	1,319 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,206 sqft (0.923 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9367
Street Address	140 DOWD CT
City	LUDLOW
State	MA
Zip	01056-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BOULDER CRK
Legal Block	4825
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
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	16 LIBBY ST, LUDLOW, MA 01056-1225
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2024	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Oct 6, 2023	Deed of Trust, Mortgage · Line of Credit DIGITAL FCU
Feb 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Mar 23, 2017	Deed of Trust, Mortgage · Line of Credit PEOPLES UNITED BANK
Sep 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLESBANK HOLYOKE
Aug 31, 2017	Warranty Deed, Transfer MERRIMACK MTG CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2024 · Amount on Record
Deed Sale	Aug 27, 2024 · Amount on Record
Prior Sale	Aug 31, 2017 · Amount on Record
Deed Document Number	202439247
Deed Book / Page	25549 / 32
Transfer Doc	21198-86
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025370-279
Date	Apr 2, 2024
Book Page	25370/279
Instrument	13876

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	May 1, 2064

Interest

Rate Type	Adjustable Rate

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025182-293
Date	Oct 6, 2023
Book Page	25182/293
Instrument	47664

Lender

Name	DIGITAL FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2063

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23715-198
Date	Feb 18, 2021
Book Page	23715/198
Instrument	11209

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21611-464
Date	Mar 23, 2017
Book Page	21611/464
Instrument	15153

Lender

Name	PEOPLES UNITED BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Document Number	22388-556
Instrument Date	Sep 29, 2018
Transaction Type	Mortgage
Record Updated	Oct 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 DOWD CT LUDLOW MA 010561743, LUDLOW, MA 01056-1743

Mortgage

Document Number	22388-556
Date	Oct 4, 2018
Book Page	022388/000556
Instrument	59654

Lender

Name	PEOPLESBANK HOLYOKE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 31, 2017
Property Address	140 DOWD CT, LUDLOW, MA 01056-1743
Document Number	21839-368
Book / Page	21839 / 368
Instrument	51239
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.28
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	140 DOWD CT, LUDLOW, MA 01056-1743

Mortgage

Document Number	218390370
Date	Aug 31, 2017
Instrument	21839/0370

Lender

Name	MERRIMACK MTG CO

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Aug 31, 2047

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	$8,477.00 (+1.07%)	$529,500 (+9.54%) Land $104,400 Building $425,100	$595,297 (+9.92%)
2025	$8,387.00 (+3.67%)	$483,400 (+8.09%) Land $94,900 Building $388,500	$541,595 (+0.53%)
2024	$8,090.00 (+3.53%)	$447,200 (+11.66%) Land $94,900 Building $352,300	$538,745
2023	$7,814.00	$400,500 Land $83,300 Building $317,200

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 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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