173 Dowd Ct, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 173 Dowd Ct, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,628 sqft · built 2001
Lot Size	1.04 acres (45,390 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,000 (May 2001)
Tax Bill	$8,460 (2026)
Deeds & Mortgages	Jan 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:032-04825 B:23K L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-04825 B:23K L:0`
Alternative APNs	`LUDL M:32 B:4825 P:23K` `9369`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,628 sqft Living Area
Gross Area	5,798 sqft
Basement Area	1,606 sqft
Unfinished Basement	1,606 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	45,390 sqft (1.04 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9369
Street Address	173 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	2 Individual Names on Record
Mailing Address	173 DOWD CT, LUDLOW, MA 01056-1744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2001 · Amount on Record
Deed Sale	May 4, 2001 · Amount on Record
Deed Book / Page	11626 / 28
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	173 DOWD CT, LUDLOW, MA 01056-1744
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23675-511
Date	Jan 27, 2021
Book Page	23675/511
Instrument	6070

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Interest

Rate Type	Adjustable Rate

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	$8,460.00 (+2.22%)	$528,400 (+10.78%) Land $107,000 Building $421,400	$586,332 (+28.74%)
2025	$8,276.00 (+3.58%)	$477,000 (+7.99%) Land $97,300 Building $379,700	$455,430 (+4.08%)
2024	$7,990.00 (+2.79%)	$441,700 (+10.87%) Land $97,400 Building $344,300	$437,570
2023	$7,773.00	$398,400 Land $85,400 Building $313,000

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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