182 Westerly Cir, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 182 Westerly Cir, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,448 sqft · built 1991
Lot Size	1.44 acres (63,031 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Nov 2019)
Tax Bill	$11,199 (2026)
Deeds & Mortgages	Nov 2020 Refinance Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:033-17900 B:109AF L:0`

Property Details

APN / Parcel Number

Primary APN	`M:033-17900 B:109AF L:0`
Alternative APNs	`LUDL M:33 B:17900 P:109AF` `8615`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
Gross Area	6,736 sqft
Basement Area	1,753 sqft
Unfinished Basement	1,753 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2022
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	63,031 sqft (1.44 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	8615
Street Address	182 WESTERLY CIR
City	LUDLOW
State	MA
Zip	01056-1661
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
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	182 WESTERLY CIR, LUDLOW, MA 01056-1661
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FREEDOM CU
Nov 27, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage INLAND BANK & TRUST
Dec 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Jul 18, 1991 · Amount on Record
Deed Document Number	201970410
Deed Book / Page	22976 / 592
Prior Transfer Date	Oct 18, 2019
Prior Transfer Doc	22976-592
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	182 WESTERLY CIR, LUDLOW, MA 01056-1661
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23540-121
Date	Nov 17, 2020
Book Page	23540/121
Instrument	68053

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2030

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 27, 2019
Property Address	182 WESTERLY CIR, LUDLOW, MA 01056-1661
Document Number	22976-592
Book / Page	22976 / 592
Instrument Date	Oct 18, 2019
Instrument	70410
Transaction Type	Transfer
Record Updated	May 11, 2021

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
Address	236 WEST ST, LUDLOW, MA 01056-1729

Mortgage

Document Number	70411
Date	Nov 27, 2019
Instrument	70411

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	182 WESTERLY CIR, LUDLOW, MA 01056-1661
Document Number	22489-245
Instrument Date	Dec 12, 2018
Transaction Type	Mortgage
Record Updated	Jan 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	182 WESTERLY CIR LUDLOW MA 010561661, LUDLOW, MA 01056-1661

Mortgage

Document Number	22489-245
Date	Dec 18, 2018
Book Page	022489/000245
Instrument	75183

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2048

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	$11,199.00 (+1.28%)	$699,500 (+9.76%) Land $103,100 Building $596,400	$669,405 (+8.82%)
2025	$11,057.00 (+2.8%)	$637,300 (+7.18%) Land $93,800 Building $543,500	$615,125 (+3.47%)
2024	$10,756.00 (+4.21%)	$594,600 (+12.4%) Land $93,800 Building $500,800	$594,510
2023	$10,321.00	$529,000 Land $78,000 Building $451,000

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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