210 Irla Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 210 Irla Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,577 sqft · built 2011
Lot Size	0.521 acres (22,695 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jun 2011)
Tax Bill	$9,358 (2026)
Deeds & Mortgages	Apr 2026 Second Mortgage Oct 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:027-07600 B:38F L:0`

Property Details

APN / Parcel Number

Primary APN	`M:027-07600 B:38F L:0`
Alternative APNs	`LUDL M:27 B:7600 P:38F` `10968`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,577 sqft Living Area
Gross Area	4,666 sqft
Basement Area	1,206 sqft
Unfinished Basement	1,206 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,695 sqft (0.521 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10968
Street Address	210 IRLA DR
City	LUDLOW
State	MA
Zip	01056-3248
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	JOAQUIM TIMOTHY & DANIEL COELH
Legal Block	7600
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1003
Census Tract	810404

Owner

210 Irla Dr is owned and occupied by two individuals who bought it in June 2011.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	210 IRLA DR, LUDLOW, MA 01056-3248
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUSO FEDERAL CREDIT UNION
Oct 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Sep 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2011 · Amount on File
Deed Sale	Jun 17, 2011 · Amount on File
Deed Document Number	20113
Deed Book / Page	18808 / 428
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 17, 2026
Property Address	210 IRLA DR, LUDLOW, MA 01056-3248
Document Number	026294-553
Book / Page	26294 / 553
Instrument Date	Apr 13, 2026
Instrument	202616605
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 IRLA DR, LUDLOW, MA 01056-3248

Mortgage

Document Number	0000016605,
Date	Apr 17, 2026
Book Page	26294/553
Instrument	202616605

Lender

Name	LUSO FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	210 IRLA DR, LUDLOW, MA 01056-3248
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024768-335
Date	Oct 17, 2022
Book Page	24768/335
Instrument	61851

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2042

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	210 IRLA DR, LUDLOW, MA 01056-3248
Transaction Type	Mortgage
Record Updated	Oct 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24131-162
Date	Sep 20, 2021
Book Page	24131/162
Instrument	66071

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 210 Irla Dr was $9,358, up 1.6% from the year before.

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,358.00 (+1.62%)	$584,500 (+10.12%) Land $103,700 Building $480,800	$611,193 (+29.87%)
2025	$9,209.00 (+3.89%)	$530,800 (+8.33%) Land $94,200 Building $436,600	$470,630 (+0.73%)
2024	$8,864.00 (+5.46%)	$490,000 (+13.74%) Land $95,200 Building $394,800	$467,210
2023	$8,405.00	$430,800 Land $87,200 Building $343,600

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

Flood

FEMA maps place 210 Irla Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · 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

Wildfire risk around 210 Irla Dr 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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