Hampden County and Ludlow Town property record for 213 Clover Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,866 sqft · built 1961 |
| Lot Size | 0.311 acres (13,547 sqft) |
| Owner | Individual Name on File |
| Last Sale | $396,000 (Aug 2025) |
| Tax Bill | $5,405 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:17D-04200 B:89 L:0 |
| Primary APN | M:17D-04200 B:89 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,866 sqft Living Area |
| Gross Area | 4,220 sqft |
| Basement Area | 816 sqft |
| Unfinished Basement | 816 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,547 sqft (0.311 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 2418 |
|---|---|
| Street Address | 213 CLOVER RD |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1415 |
| 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 | 1 |
| Census Block | 1035 |
| Census Tract | 810412 |
213 Clover Rd is owned and occupied by an individual who bought it in August 2025.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 213 CLOVER RD, LUDLOW, MA 01056-1415 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Aug 26, 2025 | Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 6, 2017 | Deed of Trust, Mortgage · Line of Credit WESTFIELD BANK |
| Nov 2, 2020 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 26, 2025 · Amount on File |
| Deed Sale | Aug 26, 2025 · Amount on File |
| Prior Sale | Nov 2, 2020 · Amount on File |
| Deed Book / Page | 26002 / 90 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 26, 2025 |
| Property Address | 213 CLOVER RD, LUDLOW, MA 01056-1415 |
| Document Number | 0026002-90 |
| Book / Page | 26002 / 90 |
| Instrument Date | Aug 26, 2025 |
| Instrument | 40015 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 213 CLOVER RD, LUDLOW, MA 01056-1415 |
| Document Number | 0000040016 |
|---|---|
| Date | Aug 26, 2025 |
| Instrument | 40016 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 213 CLOVER RD, LUDLOW, MA 01056-1415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 21590-43 |
|---|---|
| Date | Mar 6, 2017 |
| Book Page | 21590/43 |
| Instrument | 11631 |
| Name | WESTFIELD BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Nov 2, 2020 |
| Property Address | 213 CLOVER RD, LUDLOW, MA 01056-1415 |
| Document Number | 23509-137 |
| Book / Page | 23509 / 137 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 63965 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 COLONIAL DR, LUDLOW, MA 01056-1177 |
| Document Number | 63966 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 63966 |
| Name | EVOLVE BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 213 Clover Rd was $5,405, down 2.5% 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 | $5,405.00 (-2.49%) | $337,600 (+5.67%) Land $117,900 Building $219,700 | $373,835 (+3.58%) |
| 2025 | $5,543.00 (+3.13%) | $319,500 (+7.54%) Land $107,200 Building $212,300 | $360,905 (+0.8%) |
| 2024 | $5,375.00 (+5.85%) | $297,100 (+14.14%) Land $107,000 Building $190,100 | $358,055 |
| 2023 | $5,078.00 | $260,300 Land $93,900 Building $166,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 213 Clover Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| 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 risk around 213 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 |
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 120 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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