150 Clover Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 150 Clover Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,944 sqft · built 1960
Lot Size	0.344 acres (14,985 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Jan 1998)
Tax Bill	$5,861 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Aug 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:17D-04200 B:101 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:17D-04200 B:101 L:0`
Alternative APNs	`LUDL M:17D B:4200 P:101` `2424`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,944 sqft Living Area
Gross Area	4,448 sqft
Basement Area	1,314 sqft
Unfinished Basement	1,314 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1966
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
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	Oil

Location & Zoning

Account Number	2424
Street Address	150 CLOVER RD
City	LUDLOW
State	MA
Zip	01056-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	4200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2012
Census Tract	810414

Owner

150 Clover Rd is owned and occupied by two individuals who bought it in January 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	150 CLOVER RD, LUDLOW, MA 01056-1411
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
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit MASSMUTUAL FEDERAL CREDIT UNION
Aug 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MASSMUTUAL FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 1998 · Amount on File
Deed Sale	Jan 30, 1998 · Amount on File
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	150 CLOVER RD, LUDLOW, MA 01056-1411
Transaction Type	Mortgage
Record Updated	Feb 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024884-166
Date	Jan 20, 2023
Book Page	24884/166
Instrument	3463

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2043

Interest

Rate Type	Adjustable Rate

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	150 CLOVER RD, LUDLOW, MA 01056-1411
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23350-245
Date	Aug 6, 2020
Book Page	23350/245
Instrument	42772

Lender

Name	MASSMUTUAL FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Sep 1, 2025

Tax Assessment & Valuation

The 2026 property tax bill for 150 Clover Rd was $5,861, down 2.5% 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	$5,861.00 (-2.51%)	$366,100 (+5.66%) Land $119,500 Building $246,600	$346,385 (-12.42%)
2025	$6,012.00 (+3.53%)	$346,500 (+7.94%) Land $108,700 Building $237,800	$395,485 (+2.46%)
2024	$5,807.00 (+5.77%)	$321,000 (+14.07%) Land $108,400 Building $212,600	$385,985
2023	$5,490.00	$281,400 Land $95,100 Building $186,300

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

Flood

FEMA maps place 150 Clover Rd in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 150 Clover 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.

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 139 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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