Hampden County and Ludlow Town property record for 186 Tower Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,365 sqft · built 2002 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $475,000 (Dec 2018) |
| Tax Bill | $10,693 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Aug 2020 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-15100 B:46 L:0 |
| Primary APN | M:031-15100 B:46 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,365 sqft Living Area |
| Gross Area | 7,596 sqft |
| Basement Area | 2,210 sqft |
| Unfinished Basement | 2,210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Steel Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 43,996 sqft (1.01 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 7842 |
|---|---|
| Street Address | 186 TOWER RD |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 15100 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810414 |
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 | 186 TOWER RD, LUDLOW, MA 01056-1560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2022 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Aug 12, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance RIVER CITY MORTGAGE LLC |
| Aug 30, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance COUNTRY BANK |
| Dec 13, 2018 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage COUNTRY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 13, 2018 · Amount on Record |
| Deed Sale | Dec 13, 2018 · Amount on Record |
| Prior Sale | Aug 15, 2001 · Amount on Record |
| Deed Document Number | 201874104 |
| Deed Book / Page | 22481 / 540 |
| Prior Transfer Date | Dec 12, 2018 |
| Prior Transfer Doc | 22481-540 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 186 TOWER RD, LUDLOW, MA 01056-1560 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0024814-94 |
|---|---|
| Date | Nov 22, 2022 |
| Book Page | 24814/94 |
| Instrument | 68756 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Dec 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 186 TOWER RD, LUDLOW, MA 01056-1560 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23359-91 |
|---|---|
| Date | Aug 12, 2020 |
| Book Page | 23359/91 |
| Instrument | 43913 |
| Name | RIVER CITY MORTGAGE LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 186 TOWER RD, LUDLOW, MA 01056-1560 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22829-465 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 22829/465 |
| Instrument | 49451 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Dec 13, 2018 |
| Property Address | 186 TOWER RD, LUDLOW, MA 01056-1560 |
| Document Number | 22481-540 |
| Book / Page | 22481 / 540 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 74104 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 31 CADY ST, LUDLOW, MA 01056-2271 |
| Document Number | 74105 |
|---|---|
| Date | Dec 13, 2018 |
| Instrument | 74105 |
| Name | COUNTRY BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Type Change Date | Jan 1, 2029 |
|---|
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 | $10,693.00 (+2.51%) | $667,900 (+11.09%) Land $111,800 Building $556,100 | $739,352 (+0.77%) |
| 2025 | $10,431.00 (-0.13%) | $601,200 (+4.12%) Land $101,500 Building $499,700 | $733,685 (+9.34%) |
| 2024 | $10,445.00 (+4.26%) | $577,400 (+12.44%) Land $101,600 Building $475,800 | $670,985 |
| 2023 | $10,018.00 | $513,500 Land $84,500 Building $429,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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