218 Tower Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 218 Tower Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,818 sqft · built 1972
Lot Size	1.03 acres (44,997 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,900 (Jul 2012)
Tax Bill	$6,342 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:031-15100 B:45 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:031-15100 B:45 L:0`
Alternative APNs	`LUDL M:31 B:15100 P:45` `7841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,818 sqft Living Area
Gross Area	4,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	44,997 sqft (1.03 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	7841
Street Address	218 TOWER RD
City	LUDLOW
State	MA
Zip	01056-1560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	15100
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	218 TOWER RD, LUDLOW, MA 01056-1560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2012 · Amount on Record
Deed Sale	Jul 17, 2012 · Amount on Record
Deed Document Number	20124
Deed Book / Page	19349 / 536
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Aug 25, 2026
Property Address	218 TOWER RD, LUDLOW, MA 01056-1560
Document Number	0000040882
Book / Page	26479 / 40
Instrument Date	Aug 20, 2026
Instrument	202640882
Transaction Type	Mortgage
Record Updated	Sep 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 TOWER RD, LUDLOW, MA 01056-1560

Mortgage

Document Number	0000040882,
Date	Aug 25, 2026
Book Page	26479/40
Instrument	202640882

Lender

Name	FLORENCE SAVINGS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$6,342.00 (+1.39%)	$396,100 (+9.88%) Land $76,300 Building $319,800	$504,619 (-5.9%)
2025	$6,255.00 (+3.83%)	$360,500 (+8.26%) Land $69,400 Building $291,100	$536,275 (+13.13%)
2024	$6,024.00 (-8.7%)	$333,000 (-1.54%) Land $69,300 Building $263,700	$474,050
2023	$6,598.00	$338,200 Land $57,700 Building $280,500

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

Flood

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20