182 Karen Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 182 Karen Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,978 sqft · built 1975
Lot Size	0.355 acres (15,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jan 2023)
Tax Bill	$5,808 (2026)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:27A-08000 B:215 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-08000 B:215 L:0`
Alternative APNs	`LUDL M:27A B:8000 P:215` `4605`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	2,778 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,464 sqft (0.355 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4605
Street Address	182 KAREN DR
City	LUDLOW
State	MA
Zip	01056-3129
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	8000
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1042
Census Tract	810404

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	182 KAREN DR, LUDLOW, MA 01056-3129
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORCOM MORTGAGE
Apr 20, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2023 · Amount on Record
Deed Sale	Jan 5, 2023 · Amount on Record
Deed Book / Page	24867 / 370
Record Updated	Oct 29, 2026

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 5, 2023
Property Address	182 KAREN DR, LUDLOW, MA 01056-3129
Document Number	024867-370
Book / Page	24867 / 370
Instrument Date	Jan 5, 2023
Instrument	698
Transaction Type	Transfer
Record Updated	Nov 11, 2025

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	98 GAMACHE DR, LUDLOW, MA 01056-2236

Mortgage

Document Number	0000000699
Date	Jan 5, 2023
Instrument	699

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 20, 2021
Property Address	182 KAREN DR, LUDLOW, MA 01056-3129
Document Number	23833-32
Book / Page	23833 / 32
Instrument Date	Apr 16, 2021
Instrument	26453
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 STIVENS DR, LUDLOW, MA 01056-2463

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	$5,808.00 (+2.85%)	$362,800 (+11.46%) Land $94,300 Building $268,500	$401,448 (-3.17%)
2025	$5,647.00 (+2.99%)	$325,500 (+7.39%) Land $85,700 Building $239,800	$414,580 (+4.4%)
2024	$5,483.00 (+2.75%)	$303,100 (+10.82%) Land $85,500 Building $217,600	$397,100
2023	$5,336.00	$273,500 Land $75,100 Building $198,400

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	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

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	None beyond ember reach

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 287 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: AT&T, GoNetspeed, Verizon.

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