340 Westerly Cir, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 340 Westerly Cir, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,384 sqft · built 2001
Lot Size	1.11 acres (48,569 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Mar 2021)
Tax Bill	$12,446 (2026)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:040-17900 B:132 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:040-17900 B:132 L:0`
Alternative APNs	`LUDL M:40 B:17900 P:132` `8642`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,384 sqft Living Area
Gross Area	6,154 sqft
Basement Area	1,872 sqft
Unfinished Basement	1,872 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,569 sqft (1.11 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8642
Street Address	340 WESTERLY CIR
City	LUDLOW
State	MA
Zip	01056-1625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	17900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3018
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	340 WESTERLY CIR, LUDLOW, MA 01056-1625
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2021 · Amount on Record
Deed Sale	Mar 19, 2021 · Amount on Record
Prior Sale	Sep 28, 2000 · Amount on Record
Deed Document Number	202118890
Deed Book / Page	23773 / 542
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 19, 2021
Property Address	340 WESTERLY CIR, LUDLOW, MA 01056-1625
Document Number	23773-542
Book / Page	23773 / 542
Instrument Date	Mar 19, 2021
Instrument	18890
Transaction Type	Transfer
Record Updated	May 11, 2021

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	109 KENT RD, HAMPDEN, MA

Mortgage

Document Number	18891
Date	Mar 19, 2021
Instrument	18891

Lender

Name	KARL R SCHMIDT

Agreement

Type	Stand-Alone First 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	$12,446.00 (+2.4%)	$777,400 (+10.98%) Land $102,000 Building $675,400	$750,564 (+4.83%)
2025	$12,154.00 (+6.02%)	$700,500 (+10.54%) Land $92,700 Building $607,800	$716,015 (+3.87%)
2024	$11,464.00 (-1.26%)	$633,700 (+6.49%) Land $92,700 Building $541,000	$689,320
2023	$11,610.00	$595,100 Land $77,100 Building $518,000

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Westerly Cir

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