31 Dowd Ct, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 31 Dowd Ct, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,451 sqft · built 1966
Lot Size	3 acres (131,028 sqft)
Owner	2 Individual Names on Record
Last Sale	$328,000 (Jun 2015)
Tax Bill	$6,458 (2025)
Deeds & Mortgages	Feb 2022 Refinance Jan 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:032-04825 B:23 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:032-04825 B:23 L:0`
Alternative APNs	`LUDL M:32 B:4825 P:23` `5906`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,451 sqft Living Area
Gross Area	4,003 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1975
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,028 sqft (3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5906
Street Address	31 DOWD CT
City	LUDLOW
State	MA
Zip	01056-1641
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Subdivision	BOULDER CREED
Legal Block	4825
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records, as of July 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	31 DOWD CT, LUDLOW, MA 01056-1641
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LAKEVIEW LOAN SERVICING LLC
Jan 30, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2015 · Amount on Record
Deed Sale	Jun 3, 2015 · Amount on Record
Prior Sale	Jun 27, 2014 · Amount on Record
Deed Book / Page	20730 / 256
Transfer Doc	020730-256
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	31 DOWD CT, LUDLOW, MA 01056-1641
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024383-157
Date	Feb 1, 2022
Book Page	24383/157
Instrument	6542

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	31 DOWD CT, LUDLOW, MA 01056-1641
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024893-518
Date	Jan 30, 2023
Book Page	24893/518
Instrument	4799

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

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
2025	$6,458.00 (+1.7%)	$372,200 (+6.04%) Land $98,800 Building $273,400	$575,890 (+4.25%)
2024	$6,350.00 (+2.22%)	$351,000 (+10.24%) Land $99,000 Building $252,000	$552,425
2023	$6,212.00	$318,400 Land $82,200 Building $236,200

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	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

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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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