140 Overlook Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 140 Overlook Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,888 sqft · built 1992
Lot Size	0.517 acres (22,521 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Apr 2018)
Tax Bill	$7,256 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:010-10880 B:233 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-10880 B:233 L:0`
Alternative APNs	`LUDL M:10 B:10880 P:233` `6353`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,888 sqft Living Area
Gross Area	4,064 sqft
Basement Area	649 sqft
Unfinished Basement	649 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2009
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,521 sqft (0.517 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6353
Street Address	140 OVERLOOK DR
City	LUDLOW
State	MA
Zip	01056-1095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10880
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
Census Tract	810414

Owner

140 Overlook Dr is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	140 OVERLOOK DR, LUDLOW, MA 01056-1095
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
Jul 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 8, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 27, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2018 · Amount on File
Deed Sale	Apr 27, 2018 · Amount on File
Prior Sale	Oct 15, 2007 · Amount on File
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 OVERLOOK DR, LUDLOW, MA 01056-1095
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024006-313
Date	Jul 19, 2021
Book Page	24006/313
Instrument	49851

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	140 OVERLOOK DR, LUDLOW, MA 01056-1095
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23250-390
Date	Jun 8, 2020
Book Page	23250/390
Instrument	29553

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	337 Months
Due	Jul 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 27, 2018
Property Address	140 OVERLOOK DR, LUDLOW, MA 01056-1095
Document Number	22149-14
Book / Page	022149 / 000014
Instrument Date	Apr 27, 2018
Instrument	22610
Transaction Type	Transfer
Record Updated	Aug 8, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,488.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	135 WHITNEY ST LUDLOW MA 010562415, LUDLOW, MA 01056-2415

Mortgage

Document Number	22149-17
Date	Apr 27, 2018
Book Page	022149/000017
Instrument	22611

Lender

Name	GUARANTEED RATE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 140 Overlook Dr was $7,256, up 0.3% 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	$7,256.00 (+0.32%)	$453,200 (+8.71%) Land $103,600 Building $349,600	$497,025 (+10.21%)
2025	$7,233.00 (+2.76%)	$416,900 (+7.14%) Land $94,200 Building $322,700	$450,965 (+3.44%)
2024	$7,039.00 (+2.88%)	$389,100 (+10.95%) Land $95,000 Building $294,100	$435,955
2023	$6,842.00	$350,700 Land $87,000 Building $263,700

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

Flood

FEMA maps place 140 Overlook Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 140 Overlook Dr 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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