296 Colonial Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 296 Colonial Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,738 sqft · built 1993
Lot Size	1.17 acres (51,096 sqft)
Owner	2 Individual Names on Record
Last Sale	$426,000 (Apr 2023)
Tax Bill	$7,819 (2026)
Deeds & Mortgages	Nov 2021 Refinance Jan 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:018-04250 B:116 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-04250 B:116 L:0`
Alternative APNs	`LUDL M:18 B:4250 P:116` `2471`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,738 sqft Living Area
Gross Area	3,710 sqft
Basement Area	808 sqft
Unfinished Basement	808 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	51,096 sqft (1.17 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2471
Street Address	296 COLONIAL DR
City	LUDLOW
State	MA
Zip	01056-1177
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	2005
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	296 COLONIAL DR, LUDLOW, MA 01056-1177
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KS STATEBANK
Jan 27, 2025	Deed of Trust, Mortgage · ARM POLISH NATIONAL CU
Apr 5, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Sep 5, 2019	Quit Claim Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2023 · Amount on Record
Deed Sale	Apr 5, 2023 · Amount on Record
Prior Sale	Sep 5, 2019 · Amount on Record
Deed Book / Page	24961 / 564
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	296 COLONIAL DR, LUDLOW, MA 01056-1177
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	024235-507
Date	Nov 9, 2021
Book Page	24235/507
Instrument	79789

Lender

Name	KS STATEBANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	296 COLONIAL DR, LUDLOW, MA 01056-1177
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025739-294
Date	Jan 27, 2025
Book Page	25739/294
Instrument	3866

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.38%
Type Change Date	Feb 1, 2032

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 5, 2023
Property Address	296 COLONIAL DR, LUDLOW, MA 01056-1177
Document Number	024961-564
Book / Page	24961 / 564
Instrument Date	Apr 5, 2023
Instrument	15432
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	99 STONG AVE, SPRINGFIELD, MA

Mortgage

Document Number	0000015433
Date	Apr 5, 2023
Instrument	15433

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 5, 2019
Property Address	296 COLONIAL DR, LUDLOW, MA 01056-1177
Document Number	22838-271
Book / Page	22838 / 271
Instrument Date	Sep 1, 2019
Instrument	50701
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	47 CHARLESBANK WAY, WALTHAM, MA 02453-2570
Investor	Possibly a Property Investor

Mortgage

Document Number	50702
Date	Sep 5, 2019
Instrument	50702

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded

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	$7,819.00 (+1.55%)	$488,400 (+10.05%) Land $118,300 Building $370,100	$492,891 (+4.2%)
2025	$7,700.00 (+3.34%)	$443,800 (+7.74%) Land $107,600 Building $336,200	$473,005 (+13.16%)
2024	$7,451.00 (+2.77%)	$411,900 (+10.84%) Land $107,600 Building $304,300	$418,000
2023	$7,250.00	$371,600 Land $94,400 Building $277,200

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	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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 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

Cell Coverage

5G (outdoors only) and 4G LTE

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