Hampden County and Ludlow Town property record for 154 Westerly Cir, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,143 sqft · built 1997 |
| Lot Size | 1.15 acres (50,094 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $54,000 (Feb 1997) |
| Tax Bill | $9,595 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:033-17900 B:109AD L:0 |
| Primary APN | M:033-17900 B:109AD L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 3,143 sqft Living Area |
| Gross Area | 5,782 sqft |
| Basement Area | 1,529 sqft |
| Unfinished Basement | 1,529 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 50,094 sqft (1.15 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8613 |
|---|---|
| Street Address | 154 WESTERLY CIR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 17900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 810414 |
154 Westerly Cir is owned and occupied by two individuals who bought it in February 1997.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 154 WESTERLY CIR, LUDLOW, MA 01056-1661 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 14, 1997 · Amount on File |
| Deed Sale | Feb 14, 1997 · Amount on File |
| Deed Book / Page | 9769 / 185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 WESTERLY CIR, LUDLOW, MA 01056-1661 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23411-277 |
|---|---|
| Date | Sep 10, 2020 |
| Book Page | 23411/277 |
| Instrument | 50812 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Oct 1, 2045 |
The 2026 property tax bill for 154 Westerly Cir was $9,595, up 1.9% 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 | $9,595.00 (+1.9%) | $599,300 (+10.43%) Land $102,100 Building $497,200 | $618,587 (+0.01%) |
| 2025 | $9,416.00 (+5.11%) | $542,700 (+9.59%) Land $92,800 Building $449,900 | $618,545 (+4.97%) |
| 2024 | $8,958.00 (+3.64%) | $495,200 (+11.78%) Land $92,800 Building $402,400 | $589,285 |
| 2023 | $8,643.00 | $443,000 Land $77,200 Building $365,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 154 Westerly Cir 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 154 Westerly Cir 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 94 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
5G (outdoors only) and 4G LTE
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