Hampden County and Ludlow Town property record for 172 Clover Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,108 sqft · built 1961 |
| Lot Size | 0.287 acres (12,502 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Feb 2013) |
| Tax Bill | $5,176 (2026) |
| Deeds & Mortgages | Jun 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:17D-04200 B:99 L:0 |
| Primary APN | M:17D-04200 B:99 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,108 sqft Living Area |
| Gross Area | 2,980 sqft |
| Basement Area | 1,108 sqft |
| Unfinished Basement | 1,108 sqft |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1966 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 12,502 sqft (0.287 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2422 |
|---|---|
| Street Address | 172 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 |
172 Clover Rd is owned and occupied by two individuals who bought it in February 2013.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 172 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 12, 2013 · Amount on File |
| Deed Sale | Feb 12, 2013 · Amount on File |
| Prior Sale | Jun 27, 2000 · Amount on File |
| Deed Book / Page | 19683 / 294 |
| Transfer Doc | 019683-294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 172 CLOVER RD, LUDLOW, MA 01056-1411 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024581-498 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 24581/498 |
| Instrument | 34441 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2042 |
The 2026 property tax bill for 172 Clover Rd was $5,176, up 2.7% 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 | $5,176.00 (+2.7%) | $323,300 (+11.29%) Land $116,800 Building $206,500 | $314,810 (-2.94%) |
| 2025 | $5,040.00 (+3.03%) | $290,500 (+7.43%) Land $106,100 Building $184,400 | $324,330 (+12.97%) |
| 2024 | $4,892.00 (+6.03%) | $270,400 (+14.33%) Land $106,000 Building $164,400 | $287,090 |
| 2023 | $4,614.00 | $236,500 Land $93,000 Building $143,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 172 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 risk around 172 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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