Hampden County and Ludlow Town property record for 281 Colonial Dr, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,661 sqft · built 1994 |
| Lot Size | 0.939 acres (40,903 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $36,000 (Oct 1998) |
| Tax Bill | $8,388 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:018-04250 B:120 L:0 |
| Primary APN | M:018-04250 B:120 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,661 sqft Living Area |
| Gross Area | 6,308 sqft |
| Basement Area | 1,281 sqft |
| Unfinished Basement | 1,281 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 40,903 sqft (0.939 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 2475 |
|---|---|
| Street Address | 281 COLONIAL DR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1176 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 4250 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 810414 |
281 Colonial Dr is owned and occupied by two individuals who bought it in October 1998.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 281 COLONIAL DR, LUDLOW, MA 01056-1176 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 30, 1998 · Amount on File |
| Deed Sale | Oct 30, 1998 · Amount on File |
| Prior Sale | May 18, 1994 · Amount on File |
| Deed Book / Page | 10507 / 109 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 281 COLONIAL DR, LUDLOW, MA 01056-1176 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23836-288 |
|---|---|
| Date | Apr 21, 2021 |
| Book Page | 23836/288 |
| Instrument | 26889 |
| Name | POLISH NATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 281 Colonial Dr was $8,388, up 3.5% 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 | $8,388.00 (+3.54%) | $523,900 (+12.21%) Land $115,400 Building $408,500 | $551,007 (+16.98%) |
| 2025 | $8,101.00 (+3.4%) | $466,900 (+7.8%) Land $104,900 Building $362,000 | $471,010 (+7.78%) |
| 2024 | $7,835.00 (+3.11%) | $433,100 (+11.19%) Land $104,900 Building $328,200 | $437,000 |
| 2023 | $7,599.00 | $389,500 Land $92,100 Building $297,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 281 Colonial Dr in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 281 Colonial 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.
Source: FCC Broadband Data Collection, based on 72 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 / 1,000 |
5G and 4G LTE (outdoors only)
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