32 Laurel Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 32 Laurel Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,902 sqft · built 1978
Lot Size	0.691 acres (30,100 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jun 2005)
Tax Bill	$6,095 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2022 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:030-08550 B:141 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:030-08550 B:141 L:0`
Alternative APNs	`LUDL M:30 B:8550 P:141` `4902`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,902 sqft Living Area
Gross Area	3,864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Colonial
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	30,100 sqft (0.691 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4902
Street Address	32 LAUREL LN
City	LUDLOW
State	MA
Zip	01056-3334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	8550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3033
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 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 LAUREL LN, LUDLOW, MA 01056-3334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage FEDERAL SAVINGS BANK
Aug 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FEDERAL SAVINGS BANK
Apr 13, 2017	Deed of Trust, Mortgage · FHA Mortgage FEDERAL SAVINGS BANK
Nov 7, 2018	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Aug 2, 2019	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 29, 2005 · Amount on Record
Deed Sale	Jun 29, 2005 · Amount on Record
Deed Document Number	2005151927
Deed Book / Page	15131 / 315
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 30, 2026
Property Address	32 LAUREL LN, LUDLOW, MA 01056-3334
Document Number	026312-589
Book / Page	26312 / 589
Instrument Date	Apr 24, 2026
Instrument	202618931
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 LAUREL LN, LUDLOW, MA 01056-3334

Mortgage

Document Number	0000018931,
Date	Apr 30, 2026
Book Page	26312/589
Instrument	202618931

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	32 LAUREL LN, LUDLOW, MA 01056-3334
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024665-207
Date	Aug 2, 2022
Book Page	24665/207
Instrument	46729

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	32 LAUREL LN, LUDLOW, MA 01056-3334
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21640-459
Date	Apr 13, 2017
Book Page	21640/459
Instrument	20186

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	32 LAUREL LN, LUDLOW, MA 01056-3334
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22437-198
Date	Nov 7, 2018
Book Page	22437/198
Instrument	66982

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	32 LAUREL LN, LUDLOW, MA 01056-3334
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22787-80
Date	Aug 2, 2019
Book Page	22787/80
Instrument	43182

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	$6,095.00 (+3.8%)	$351,300 (+8.23%) Land $83,500 Building $267,800	$474,620 (+3.63%)
2024	$5,872.00 (+3.56%)	$324,600 (+11.7%) Land $83,500 Building $241,100	$457,995
2023	$5,670.00	$290,600 Land $69,400 Building $221,200

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	None beyond ember reach

Internet Providers

Source: FCC Broadband Data Collection, based on 113 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Nearby Properties on Laurel Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures