189 Jerad Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 189 Jerad Dr, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,410 sqft · built 2023
Lot Size	1.5 acres (65,340 sqft)
Owner	2 Individual Names on File
Last Sale	$112,900 (Oct 2005)
Tax Bill	$11,642 (2025)
Deeds & Mortgages	Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:041-07980 B:27H L:0`

Property Details

APN / Parcel Number

Primary APN	`M:041-07980 B:27H L:0`
Alternative APNs	`LUDL M:41 B:7980 P:27H` `10282`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	4,829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	65,340 sqft (1.5 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10282
Street Address	189 JERAD DR
City	LUDLOW
State	MA
Zip	01056-1745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	7980
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 · APN M:041-07980 B:27H L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	189 JERAD DR, LUDLOW, MA 01056-1745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 19, 2005 · Amount on Record
Deed Sale	Oct 19, 2005 · Amount on Record
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	189 JERAD DR, LUDLOW, MA 01056-1745
Transaction Type	Mortgage
Record Updated	Mar 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024151-183
Date	Sep 29, 2021
Book Page	24151/183
Instrument	68632

Lender

Name	WESTFIELD BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 01, 2036

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,642.00 (+550.03%)	$671,000 (+577.78%) Land $99,000 Building $572,000	$512,525
2024	$1,791.00 (-75.25%)	$99,000 (-73.31%) Land $99,000
2023	$7,236.00	$370,900 Land $86,800 Building $284,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104143, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Nearby Flood Policies	6 in force 4 of 6 on primary residences
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.