173 Colonial Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 173 Colonial Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,766 sqft · built 1984
Lot Size	0.744 acres (32,409 sqft)
Owner	2 Individual Names on Record
Last Sale	$515,000 (Mar 2026)
Tax Bill	$7,040 (2026)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:018-04250 B:83 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-04250 B:83 L:0`
Alternative APNs	`LUDL M:18 B:4250 P:83` `2463`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,766 sqft Living Area
Gross Area	4,258 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	32,409 sqft (0.744 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2463
Street Address	173 COLONIAL DR
City	LUDLOW
State	MA
Zip	01056-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	MUNSING MANOR ESTATES
Legal Block	4250
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2003
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	2 Individual Names on Record
Mailing Address	173 COLONIAL DR, LUDLOW, MA 01056-1125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Nov 6, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance EASTHAMPTON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Prior Sale	Jan 15, 2010 · Amount on Record
Deed Document Number	202612190
Deed Book / Page	26261 / 515
Transfer Doc	14865-224
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 23, 2026
Property Address	173 COLONIAL DR, LUDLOW, MA 01056-1125
Document Number	026261-515
Book / Page	26261 / 515
Instrument Date	Mar 19, 2026
Instrument	12190
Transaction Type	Transfer
Record Updated	Apr 15, 2026

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
Relationship	Tenants by the Entirety
Address	173 COLONIAL DR, LUDLOW, MA 01056-1125

Mortgage

Document Number	0000012191
Date	Mar 23, 2026
Instrument	12191

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	173 COLONIAL DR, LUDLOW, MA 01056-1125
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23519-312
Date	Nov 6, 2020
Book Page	23519/312
Instrument	65289

Lender

Name	EASTHAMPTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$7,040.00 (-0.65%)	$439,700 (+7.66%) Land $108,400 Building $331,300	$493,584 (+0.05%)
2025	$7,086.00 (+1.9%)	$408,400 (+6.24%) Land $98,500 Building $309,900	$493,335 (+4.55%)
2024	$6,954.00 (+3.67%)	$384,400 (+11.81%) Land $98,400 Building $286,000	$471,865
2023	$6,708.00	$343,800 Land $86,400 Building $257,400

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	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

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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