17 Irla Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 17 Irla Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,638 sqft · built 2012
Lot Size	0.679 acres (29,577 sqft)
Owner	Trust Name on File
Last Sale	$450,000 (Jan 2024)
Tax Bill	$7,237 (2026)
Deeds & Mortgages	May 2023 Refinance Jan 2025 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`M:027-07600 B:67A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:027-07600 B:67A L:0`
Alternative APNs	`LUDL M:27 B:7600 P:67A` `4461`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,638 sqft Living Area
Gross Area	3,120 sqft
Basement Area	870 sqft
Unfinished Basement	870 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,577 sqft (0.679 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4461
Street Address	17 IRLA DR
City	LUDLOW
State	MA
Zip	01056-3252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7600
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1003
Census Tract	810404

Owner

17 Irla Dr is held in a trust since January 2024.

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

Owner of Record	Trust Name on File
Mailing Address	643 MISTY POND CT, BRADENTON, FL 34212-5221
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
May 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
Jan 10, 2025	Deed of Trust, Mortgage · ARM POLISH NATIONAL CU
Jan 26, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2024 · Amount on File
Deed Sale	Jan 26, 2024 · Amount on File
Prior Sale	Aug 9, 2013 · Amount on File
Deed Book / Page	25301 / 504
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	17 IRLA DR, LUDLOW, MA 01056-3252
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025018-256
Date	May 25, 2023
Book Page	25018/256
Instrument	23808

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2043

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	17 IRLA DR, LUDLOW, MA 01056-3252
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025722-380
Date	Jan 10, 2025
Book Page	25722/380
Instrument	1368

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Feb 1, 2032

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 26, 2024
Property Address	17 IRLA DR, LUDLOW, MA 01056-3252
Document Number	025301-504
Book / Page	25301 / 504
Instrument Date	Jan 26, 2024
Instrument	3572
Transaction Type	Transfer
Record Updated	Feb 9, 2024

Transaction

Amount	Amount on Record
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	643 MISTY POND CT, BRADENTON, FL 34212-5221

Mortgage

Document Number	0000003573
Date	Jan 26, 2024
Instrument	3573

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	7.13%
Type Change Date	Feb 1, 2031
Max Rate At Change	2.75%
Index	Other

Tax Assessment & Valuation

The 2026 property tax bill for 17 Irla Dr was $7,237, up 1.7% 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	$7,237.00 (+1.73%)	$452,000 (+10.24%) Land $110,600 Building $341,400	$450,219 (-2.69%)
2025	$7,114.00 (+3.39%)	$410,000 (+7.78%) Land $100,500 Building $309,500	$462,650 (+10.21%)
2024	$6,881.00 (+1.79%)	$380,400 (+9.78%) Land $100,700 Building $279,700	$419,805
2023	$6,760.00	$346,500 Land $92,200 Building $254,300

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

Flood

FEMA maps place 17 Irla Dr in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · 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

Wildfire risk around 17 Irla Dr 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: GoNetspeed, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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