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23 Stivens Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 23 Stivens Dr, Ludlow, MA 01056

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,799 sqft · built 2001
Lot Size0.323 acres (14,070 sqft)
Owner2 Individual Names on File
Last Sale$405,000 (Jan 2022)
Tax Bill$7,033 (2026)
Deeds & MortgagesJan 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNM:16A-14340 B:155 L:1

Property Details

APN / Parcel Number

Primary APNM:16A-14340 B:155 L:1
Alternative APNs
  • LUDL M:16A B:14340 P:155 E:1
  • 7617

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,799 sqft Living Area
Gross Area2,759 sqft

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2004
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area14,070 sqft (0.323 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number7617
Street Address23 STIVENS DR
CityLUDLOW
StateMA
Zip01056-2463
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block14340
JurisdictionLUDLOW MA
Township / Civil DivisionLUDLOW
Census Block Group1
Census Block1020
Census Tract810412

Owner

23 Stivens Dr is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record2 Individual Names on File
Mailing Address23 STIVENS DR, LUDLOW, MA 01056-2463
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 14, 2022 · Amount on File
Deed SaleJan 14, 2022 · Amount on File
Prior SaleDec 16, 2004 · Amount on File
Deed Book / Page24356 / 109
Record UpdatedOct 29, 2026

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionLUDLOW MA
Recording DateJan 14, 2022
Property Address23 STIVENS DR, LUDLOW, MA 01056-2463
Document Number024356-109
Book / Page24356 / 109
Instrument DateJan 14, 2022
Instrument2736
Transaction TypeTransfer
Record UpdatedNov 20, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address840 FEDERAL ST, BELCHERTOWN, MA 01007-9373

Mortgage

Document Number0000002737
DateJan 14, 2022
Instrument2737
Lender
NameHARBORONE MORTGAGE
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 23 Stivens Dr was $7,033, up 2.6% from the year before.

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Property Jurisdictions

TypeName
StateMassachusetts
CountyHampden County
County SubdivisionLudlow Town
Unified School DistrictLudlow School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,033.00 (+2.64%)$439,300 (+11.24%) Land $128,600 Building $310,700$440,957 (-5.58%)
2025$6,852.00 (+1.5%)$394,900 (+5.81%) Land $117,000 Building $277,900$467,020 (+8.76%)
2024$6,751.00 (+9.47%)$373,200 (+18.06%) Land $116,700 Building $256,500$429,400
2023$6,167.00$316,100 Land $97,100 Building $219,000

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

Flood

FEMA maps place 23 Stivens Dr in Zone X, an area of minimal flood risk, within 100 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (2011)
Claims Outside the SFHA1 of 1
Most Recent ClaimMar 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 23 Stivens Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 90% of Massachusetts
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemSPRINGFIELD WATER AND SEWER COMMISSION
serves 169,170 people · EPA ID MA1281000
Water SourceSurface water
Last State InspectionOct 2025
Lead4 ppb (2024)
action level 15 ppb

Violations Reported to EPA

Water QualityHaloacetic acids
not recorded as resolved · Apr 2026
Total trihalomethanes
not recorded as resolved · Oct 2022
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 165 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
GoNetspeed
Fiber		2,000 / 2,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 50

May also be available: Verizon.

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