Hampden County and Ludlow Town property record for 198 Clover Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,708 sqft · built 1961 |
| Lot Size | 0.333 acres (14,505 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $35,000 (Jul 1977) |
| Tax Bill | $5,509 (2026) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:17D-04200 B:117 L:0 |
| Primary APN | M:17D-04200 B:117 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,708 sqft Living Area |
| Gross Area | 3,987 sqft |
| Basement Area | 1,096 sqft |
| Unfinished Basement | 1,096 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,505 sqft (0.333 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Account Number | 2434 |
|---|---|
| Street Address | 198 CLOVER RD |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 4200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 810414 |
198 Clover Rd is owned and occupied by two individuals who bought it in July 1977.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 198 CLOVER RD, LUDLOW, MA 01056-1414 |
| 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 | Jul 15, 1977 · Amount on File |
| Deed Sale | Jul 15, 1977 · Amount on File |
| Deed Book / Page | 4451 / 309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 198 CLOVER RD, LUDLOW, MA 01056-1414 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 22125-361 |
|---|---|
| Date | Apr 11, 2018 |
| Book Page | 22125/361 |
| Instrument | 18463 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 198 Clover Rd was $5,509, down 2.6% 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 | $5,509.00 (-2.63%) | $344,100 (+5.52%) Land $119,000 Building $225,100 | $326,298 (-3.22%) |
| 2025 | $5,658.00 (+2.91%) | $326,100 (+7.31%) Land $108,200 Building $217,900 | $337,155 (-0.14%) |
| 2024 | $5,498.00 (+6.22%) | $303,900 (+14.55%) Land $107,900 Building $196,000 | $337,630 |
| 2023 | $5,176.00 | $265,300 Land $94,700 Building $170,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 198 Clover Rd in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 risk around 198 Clover Rd is low, with 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 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: 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 139 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: T-Mobile, Verizon.
5G (outdoors only) and 4G LTE
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