145 Overlook Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 145 Overlook Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,608 sqft · built 1993
Lot Size	0.344 acres (14,985 sqft)
Owner	Individual Name on File
Last Sale	$157,000 (Dec 1993)
Tax Bill	$6,359 (2026)
Deeds & Mortgages	Oct 2021 Refinance May 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:010-10880 B:226 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-10880 B:226 L:0`
Alternative APNs	`LUDL M:10 B:10880 P:226` `6346`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,608 sqft Living Area
Gross Area	3,744 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	14,985 sqft (0.344 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6346
Street Address	145 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

145 Overlook Dr is owned and occupied by an individual who bought it in December 1993.

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

Owner of Record	Individual Name on File
Mailing Address	145 OVERLOOK DR, LUDLOW, MA 01056-1095
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
Oct 5, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTFIELD BANK FSB
May 9, 2019	Deed of Trust, Mortgage · Line of Credit WESTFIELD BK
May 9, 2019	Deed of Trust, Mortgage · Conventional with PMI WESTFIELD BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 1993 · Amount on File
Deed Sale	Dec 9, 1993 · Amount on File
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	145 OVERLOOK DR, LUDLOW, MA 01056-1095
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24166-2
Date	Oct 5, 2021
Book Page	24166/2
Instrument	70582

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	145 OVERLOOK DR, LUDLOW, MA 01056-1095
Document Number	22664-113
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 OVERLOOK DR LUDLOW MA 010561095, LUDLOW, MA 01056-1095

Mortgage

Document Number	22664-113
Date	May 14, 2019
Book Page	022664/000113
Instrument	24829

Lender

Name	WESTFIELD BK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	145 OVERLOOK DR, LUDLOW, MA 01056-1095
Document Number	22664-101
Instrument Date	May 9, 2019
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 OVERLOOK DR LUDLOW MA 010561095, LUDLOW, MA 01056-1095

Mortgage

Document Number	22664-101
Date	May 14, 2019
Book Page	022664/000101
Instrument	24828

Lender

Name	WESTFIELD BK
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 145 Overlook Dr was $6,359.

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	$6,359.00	$397,200 (+8.38%) Land $98,200 Building $299,000	$378,911 (-7.48%)
2025	$6,359.00 (+2.6%)	$366,500 (+6.98%) Land $89,300 Building $277,200	$409,545 (+3.85%)
2024	$6,198.00 (+4.84%)	$342,600 (+13.07%) Land $89,100 Building $253,500	$394,345
2023	$5,912.00	$303,000 Land $81,500 Building $221,500

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

Flood

FEMA maps place 145 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 145 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

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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