Hampden County and Ludlow Town property record for 146 Tower Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,488 sqft · built 1971 |
| Lot Size | 1.33 acres (57,978 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Dec 1986) |
| Tax Bill | $4,691 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-15100 B:49 L:0 |
| Primary APN | M:031-15100 B:49 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,488 sqft Living Area |
| Gross Area | 4,150 sqft |
| Basement Area | 850 sqft |
| Unfinished Basement | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 57,978 sqft (1.33 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 7845 |
|---|---|
| Street Address | 146 TOWER RD |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 15100 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810414 |
146 Tower Rd is owned by an individual who acquired it in August 2024.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 76 ROOD ST, LUDLOW, MA 01056-1319 |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 1986 · Amount on File |
| Deed Sale | Dec 11, 1986 · Amount on File |
| Deed Book / Page | 6319 / 519 |
| Last Transfer Date | Aug 28, 2024 |
| Transfer Doc | 0025559-13 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 146 Tower Rd was $4,691, down 0.3% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,691.00 (-0.3%) | $293,000 (+8.04%) Land $77,000 Building $216,000 | $327,291 (-37.91%) |
| 2025 | $4,705.00 (+3.25%) | $271,200 (+7.66%) Land $70,100 Building $201,100 | $527,155 (+32.47%) |
| 2024 | $4,557.00 (+5.78%) | $251,900 (+14.09%) Land $70,100 Building $181,800 | $397,955 |
| 2023 | $4,308.00 | $220,800 Land $58,300 Building $162,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 146 Tower Rd 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 risk around 146 Tower Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
5G (outdoors only) and 4G LTE
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