149 Waverly Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 149 Waverly Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,434 sqft · built 1988
Lot Size	1.16 acres (50,791 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Dec 2019)
Tax Bill	$9,483 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:040-17500 B:109G L:0`

Property Details

APN / Parcel Number

Primary APN	`M:040-17500 B:109G L:0`
Alternative APNs	`LUDL M:40 B:17500 P:109G` `8187`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,434 sqft Living Area
Gross Area	6,767 sqft
Basement Area	2,440 sqft
Unfinished Basement	2,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	50,791 sqft (1.16 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8187
Street Address	149 WAVERLY RD
City	LUDLOW
State	MA
Zip	01056-1621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
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	Individual Name on Record
Mailing Address	149 WAVERLY RD, LUDLOW, MA 01056-1621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · Line of Credit SERVICELINK
Apr 30, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Dec 20, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE
Aug 15, 2017	Quit Claim Deed, Transfer RADIUS FINANCIAL GRP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Aug 15, 2017 · Amount on Record
Deed Document Number	201975650
Deed Book / Page	23011 / 34
Prior Transfer Date	Dec 13, 2019
Prior Transfer Doc	23011-34
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Jun 26, 2026
Property Address	149 WAVERLY RD, LUDLOW, MA 01056-1621
Document Number	0000029410
Book / Page	26390 / 504
Instrument Date	May 12, 2026
Instrument	202629410
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 WAVERLY RD, LUDLOW, MA 01056-1621

Mortgage

Document Number	0000029410,
Date	Jun 26, 2026
Book Page	26390/504
Instrument	202629410

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	149 WAVERLY RD, LUDLOW, MA 01056-1621
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023855-17
Date	Apr 30, 2021
Book Page	23855/17
Instrument	29420

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 20, 2019
Property Address	149 WAVERLY RD, LUDLOW, MA 01056-1621
Document Number	23011-34
Book / Page	23011 / 34
Instrument Date	Dec 13, 2019
Instrument	75650
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BRIDLE PATH CIR, LUDLOW, MA 01056-1033

Mortgage

Document Number	75651
Date	Dec 20, 2019
Instrument	75651

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 15, 2017
Property Address	149 WAVERLY RD, LUDLOW, MA 01056-1621
Document Number	21814-123
Book / Page	21814 / 123
Instrument	47401
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67.58
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 WAVERLY RD, LUDLOW, MA 01056-1621

Mortgage

Document Number	218140126
Date	Aug 15, 2017
Instrument	21814/0126

Lender

Name	RADIUS FINANCIAL GRP
Type	Funding / Finance Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 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	$9,483.00 (+2.01%)	$592,300 (+10.54%) Land $102,200 Building $490,100	$630,726 (+1.84%)
2025	$9,296.00 (+5.22%)	$535,800 (+9.71%) Land $92,900 Building $442,900	$619,305 (+4.89%)
2024	$8,835.00 (+3.48%)	$488,400 (+11.61%) Land $92,900 Building $395,500	$590,425
2023	$8,538.00	$437,600 Land $77,200 Building $360,400

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waverly Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures