163 Jerad Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 163 Jerad Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,977 sqft · built 2006
Lot Size	1.48 acres (64,469 sqft)
Owner	2 Individual Names on File
Last Sale	$115,000 (Jan 2006)
Tax Bill	$9,405 (2025)
Deeds & Mortgages	Feb 2024 Refinance Mar 2023 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:041-07980 B:27J L:0`

Property Details

APN / Parcel Number

Primary APN	`M:041-07980 B:27J L:0`
Alternative APNs	`LUDL M:41 B:7980 P:27J` `10283`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,977 sqft Living Area
Gross Area	5,950 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	64,469 sqft (1.48 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10283
Street Address	163 JERAD DR
City	LUDLOW
State	MA
Zip	01056-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7980
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 · APN M:041-07980 B:27J L:0

Assessment roll updated April 14, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	163 JERAD DR, LUDLOW, MA 01056-1745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 06, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance GREENFIELD COOPERATIVE BANK
Mar 07, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
May 22, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Sep 10, 2019	Deed of Trust, Mortgage · Line of Credit FREEDOM CU
Jun 22, 2018	Deed of Trust, Mortgage · Line of Credit FREEDOM CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 13, 2006 · Amount on Record
Deed Sale	Jan 13, 2006 · Amount on Record
Deed Book / Page	15634 / 83
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	163 JERAD DR, LUDLOW, MA 01056-1745
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025312-248
Date	Feb 06, 2024
Book Page	25312/248
Instrument	5096

Lender

Name	GREENFIELD COOPERATIVE BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Mar 01, 2049

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	163 JERAD DR, LUDLOW, MA 01056-1745
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024929-155
Date	Mar 07, 2023
Book Page	24929/155
Instrument	10280

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 01, 2043

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	163 JERAD DR, LUDLOW, MA 01056-1745
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023221-585
Date	May 22, 2020
Book Page	23221/585
Instrument	25965

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 01, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	163 JERAD DR, LUDLOW, MA 01056-1745
Document Number	22879-450
Instrument Date	Sep 10, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 JERAD DR LUDLOW MA 010561745, LUDLOW, MA 01056-1745

Mortgage

Document Number	22879-450
Date	Sep 30, 2019
Book Page	022879/000450
Instrument	56569

Lender

Name	FREEDOM CU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 29, 2039

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	163 JERAD DR, LUDLOW, MA 01056-1745
Document Number	22241-154
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 JERAD DR LUDLOW MA 010561745, LUDLOW, MA 01056-1745

Mortgage

Document Number	22241-154
Date	Jun 28, 2018
Book Page	022241/000154
Instrument	36670

Lender

Name	FREEDOM CU

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 27, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,405.00 (+4.88%)	$542,100 (+9.36%) Land $98,900 Building $443,200	$580,260 (+6.6%)
2024	$8,967.00 (+2.82%)	$495,700 (+10.89%) Land $98,900 Building $396,800	$544,350
2023	$8,721.00	$447,000 Land $86,800 Building $360,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 7, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 60 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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