165 Dowd Ct, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 165 Dowd Ct, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,660 sqft · built 2001
Lot Size	0.957 acres (41,687 sqft)
Owner	Individual Name on Record
Last Sale	$680,000 (Dec 2020)
Tax Bill	$14,049 (2026)
Deeds & Mortgages	Dec 2018 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:032-04825 B:23L L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-04825 B:23L L:0`
Alternative APNs	`LUDL M:32 B:4825 P:23L` `9370`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,660 sqft Living Area
Gross Area	6,487 sqft
Basement Area	1,560 sqft
Unfinished Basement	1,560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2010
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	41,687 sqft (0.957 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9370
Street Address	165 DOWD CT
City	LUDLOW
State	MA
Zip	01056-1744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4825
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
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	165 DOWD CT, LUDLOW, MA 01056-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit POLISH NATIONAL CU
Dec 1, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage INLAND BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Apr 12, 2011
Deed Document Number	202071188
Deed Book / Page	23564 / 280
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	165 DOWD CT, LUDLOW, MA 01056-1744
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22485-445
Date	Dec 17, 2018
Book Page	22485/445
Instrument	74706

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 1, 2020
Property Address	165 DOWD CT, LUDLOW, MA 01056-1744
Document Number	23564-280
Book / Page	23564 / 280
Instrument Date	Dec 1, 2020
Instrument	71188
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	32 FOCOSI LN, LUDLOW, MA 01056-2269

Mortgage

Document Number	71189
Date	Dec 1, 2020
Instrument	71189

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$14,049.00 (+1.47%)	$877,500 (+9.96%) Land $105,500 Building $772,000	$902,847 (+13.58%)
2025	$13,845.00 (+4.57%)	$798,000 (+9.03%) Land $95,900 Building $702,100	$794,865 (+0.8%)
2024	$13,240.00 (-2.14%)	$731,900 (+5.54%) Land $95,900 Building $636,000	$788,595
2023	$13,530.00	$693,500 Land $84,200 Building $609,300

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	Direct burnable vegetation

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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