32 Bowles Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 32 Bowles Ave, Ludlow, MA 01056 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1977
Square Footage	1,600 sqft Living Area
Lot Size	18,774 sqft (0.431 acres)
Occupancy	Owner Occupied
Tax Bill	$6,328.00 (2025)

Owner

Source: Hampden County and Ludlow Town records · APN M:27B-02300 B:108A L:0

Assessment roll updated April 14, 2026 · Last verified April 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	32 BOWLES AVE, LUDLOW, MA 01056-3107
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	32 BOWLES AVE, LUDLOW, MA 01056-3107
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24087-246
Date	Aug 30, 2021
Book Page	24087/246
Instrument	60595

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified April 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

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	$6,328.00 (+7.44%)	$364,700 (+12.01%) Land $88,100 Building $276,600
2024	$5,890.00 (+3.32%)	$325,600 (+11.43%) Land $88,100 Building $237,500	$343,235
2023	$5,701.00	$292,200 Land $77,300 Building $214,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`M:27B-02300 B:108A L:0`
Alternative APNs	`LUDL M:27B B:2300 P:108A` `893`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	2 Partial Baths
Total Rooms	7 Rooms
Building Area	1,600 sqft Living Area
Gross Area	4,940 sqft Gross Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Stucco Exterior
Construction Type	Frame Construction
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	18,774 sqft (0.431 acres)

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel

Location & Zoning

Account Number	893
Street Address	32 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