Hampden County and Ludlow Town property record for 195 Gamache Dr, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,384 sqft · built 1993 |
| Lot Size | 0.543 acres (23,653 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $223,000 (Nov 1993) |
| Tax Bill | $8,458 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:02D-05925 B:109X L:0 |
| Primary APN | M:02D-05925 B:109X L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,384 sqft Living Area |
| Gross Area | 4,952 sqft |
| Basement Area | 1,204 sqft |
| Unfinished Basement | 1,204 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 23,653 sqft (0.543 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | 3604 |
|---|---|
| Street Address | 195 GAMACHE DR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2265 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 5925 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 810412 |
195 Gamache Dr is owned and occupied by two individuals who bought it in November 1993.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 195 GAMACHE DR, LUDLOW, MA 01056-2265 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 1993 · Amount on File |
| Deed Sale | Nov 24, 1993 · Amount on File |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 195 Gamache Dr was $8,458, up 1% from the year before.
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 | $8,458.00 (+1.02%) | $528,300 (+9.47%) Land $104,100 Building $424,200 | $537,097 (-7.21%) |
| 2025 | $8,373.00 (+3.01%) | $482,600 (+7.41%) Land $94,700 Building $387,900 | $578,835 (-12.87%) |
| 2024 | $8,128.00 (+1.3%) | $449,300 (+9.24%) Land $95,900 Building $353,400 | $664,335 |
| 2023 | $8,024.00 | $411,300 Land $87,900 Building $323,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 195 Gamache Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 7, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 195 Gamache Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 88% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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