27 Watson Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 27 Watson Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,792 sqft · built 2006
Lot Size	1.09 acres (47,872 sqft)
Owner	Individual Name on File
Last Sale	$440,000 (Feb 2020)
Tax Bill	$10,424 (2026)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:041-17390 B:24D L:0`

Property Details

APN / Parcel Number

Primary APN	`M:041-17390 B:24D L:0`
Alternative APNs	`LUDL M:41 B:17390 P:24D` `10248`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,792 sqft Living Area
Gross Area	5,432 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	47,872 sqft (1.09 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10248
Street Address	27 WATSON LN
City	LUDLOW
State	MA
Zip	01056-1750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	WATSON LANE
Legal Block	17390
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
Census Tract	810414

Owner

27 Watson Ln is owned and occupied by an individual who bought it in February 2020.

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

Owner of Record	Individual Name on File
Mailing Address	27 WATSON LN, LUDLOW, MA 01056-1750
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2020 · Amount on File
Deed Sale	Feb 28, 2020 · Amount on File
Prior Sale	Jan 5, 2007 · Amount on File
Deed Document Number	202011347
Deed Book / Page	23108 / 556
Prior Transfer Date	Feb 26, 2020
Prior Transfer Doc	23108-556
Record Updated	Oct 29, 2026

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 28, 2020
Property Address	27 WATSON LN, LUDLOW, MA 01056-1750
Document Number	23108-556
Book / Page	23108 / 556
Instrument Date	Feb 26, 2020
Instrument	11347
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 MARGERIE ST, SPRINGFIELD, MA 01109-2524

Mortgage

Document Number	11348
Date	Feb 28, 2020
Instrument	11348

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 27 Watson Ln was $10,424, up 1.9% 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	$10,424.00 (+1.89%)	$651,100 (+10.41%) Land $101,900 Building $549,200	$665,862 (+5.45%)
2025	$10,231.00 (+4.89%)	$589,700 (+9.37%) Land $92,600 Building $497,100	$631,465 (+0.61%)
2024	$9,754.00 (+0.73%)	$539,200 (+8.64%) Land $92,700 Building $446,500	$627,665
2023	$9,683.00	$496,300 Land $77,000 Building $419,300

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

Flood

FEMA maps place 27 Watson Ln in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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

Wildfire risk around 27 Watson 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	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 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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