Hampden County and Ludlow Town property record for 21 Piney Ln, Ludlow, MA 01056
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2.5 ba · 4,014 sqft · built 2020 |
| Lot Size | 42 acres (1,829,520 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $13,913 (2026) |
| Deeds & Mortgages | Jul 2022 Refinance Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:39 B:11450 P:23 |
| Primary APN | M:39 B:11450 P:23 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,014 sqft Living Area |
| Gross Area | 8,164 sqft |
| Basement Area | 2,452 sqft |
| Unfinished Basement | 2,452 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 1,829,520 sqft (42 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1533 |
|---|---|
| Street Address | 21 PINEY LN |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1638 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | AG |
| Legal Block | 11450 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 810414 |
21 Piney Ln, a rural home, is owned and occupied by two individuals.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 21 PINEY LN, LUDLOW, MA 01056-1638 |
| 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.
| Date | Document |
|---|---|
| Jul 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU |
| Apr 17, 2020 | Deed of Trust, Mortgage LUSO FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 PINEY LN, LUDLOW, MA 01056-1638 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024640-141 |
|---|---|
| Date | Jul 15, 2022 |
| Book Page | 24640/141 |
| Instrument | 43017 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 21 PINEY LN, LUDLOW, MA 01056-1638 |
| Document Number | 23174-39 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 21 PINEY LN LUDLOW MA 01056, LUDLOW, MA 01056 |
| Document Number | 23174-39 |
|---|---|
| Date | Apr 17, 2020 |
| Book Page | 023174/000039 |
| Instrument | 803 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Apr 16, 2050 |
The 2026 property tax bill for 21 Piney Ln was $13,913, up 1.6% 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 | $13,913.00 (+1.57%) | $869,000 (+10.07%) Land $99,500 Building $769,500 | $780,952 (+17.49%) |
| 2025 | $13,698.00 (-0.23%) | $789,530 (+4.02%) Land $94,930 Building $694,600 | $664,715 (+5.68%) |
| 2024 | $13,730.00 (+2.21%) | $759,000 (+10.24%) Land $133,600 Building $625,400 | $628,995 |
| 2023 | $13,433.00 | $688,500 Land $111,000 Building $577,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 21 Piney Ln 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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 21 Piney Ln 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 42 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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