Hampden County and Ludlow Town property record for 3 Bowles Ave, Ludlow, MA 01056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1962 |
| Square Footage | 1,070 sqft Living Area |
| Lot Size | 14,985 sqft (0.344 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2023) |
| Tax Bill | $4,428.00 (2025) |
| Primary APN | M:27B-02300 B:105 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,070 sqft Living Area |
| Gross Area | 3,328 sqft Gross Area |
| Stories | 2 Stories |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 14,985 sqft (0.344 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Oil Heating Fuel |
| Account Number | 889 |
|---|---|
| Street Address | 3 BOWLES AVE |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3107 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 2300 |
| Jurisdiction | LUDLOW MA |
| Minor Civil Division | LUDLOW |
| Census Blockgroup | 1 |
| Census Block | 1012 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records · APN M:27B-02300 B:105 L:0
Assessment roll updated April 14, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 07, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance LUSO FCU |
| Mar 31, 2023 | Quit Claim Arm's Length for NE States, Transfer · Stand Alone First Mortgage MOVEMENT MORTGAGE |
| Aug 09, 2021 | Quit Claim Deed, Transfer · Adjustable Rate Mortgage (ARM) LUSO FCU |
| Aug 09, 2021 | Quit Claim Deed, Transfer · Adjustable Rate Mortgage (ARM) LUSO FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 31, 2023 · Amount on Record |
| Deed Sale | Mar 31, 2023 · Amount on Record |
| Prior Sale | Feb 28, 2006 · Amount on Record |
| Deed Book / Page | 24956 / 328 |
| Prior Transfer Date | Aug 03, 2021 |
| Prior Transfer Doc | 024048-354 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|
| Document Number | 024758-470 |
|---|---|
| Date | Oct 07, 2022 |
| Book Page | 24758/470 |
| Instrument | 60382 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2042 |
| Document Type | Quit Claim Arm's Length for NE States |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Mar 31, 2023 |
| Property Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 024956-328 |
| Book / Page | 24956 / 328 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 14698 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 0000014699 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 14699 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 09, 2021 |
| Property Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 24048-351 |
| Book / Page | 24048 / 351 |
| Instrument Date | Aug 03, 2021 |
| Instrument | 55441 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 24048-354 |
|---|---|
| Date | Aug 09, 2021 |
| Book Page | 24048/354 |
| Instrument | 55442 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Sep 01, 2026 |
| Index | 5-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 09, 2021 |
| Property Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 024048-351 |
| Book / Page | 24048 / 351 |
| Instrument Date | Aug 03, 2021 |
| Instrument | 55441 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3 BOWLES AVE, LUDLOW, MA 01056-3107 |
| Document Number | 0000055442 |
|---|---|
| Date | Aug 09, 2021 |
| Instrument | 55442 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Adjustable Rate Mortgage (ARM) |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Type Change Date | Sep 01, 2026 |
| Index | 5-Year CMT |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,428.00 (+20.39%) | $255,200 (+25.53%) Land $85,400 Building $169,800 | $328,605 (+5.75%) |
| 2024 | $3,678.00 (+6.02%) | $203,300 (+14.34%) Land $85,200 Building $118,100 | $310,745 |
| 2023 | $3,469.00 | $177,800 Land $74,800 Building $103,000 |
3 Bowles Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Hampden County (25013C), updated June 7, 2023
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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