Hampden County and Ludlow Town property record for 352 Westerly Cir, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,917 sqft · built 1996 |
| Lot Size | 0.919 acres (40,032 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $9,609 (2026) |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:040-17900 B:133 L:0 |
| Primary APN | M:040-17900 B:133 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,917 sqft Living Area |
| Gross Area | 5,881 sqft |
| Basement Area | 1,531 sqft |
| Unfinished Basement | 1,531 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 40,032 sqft (0.919 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 8643 |
|---|---|
| Street Address | 352 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 |
352 Westerly Cir is owned and occupied by two individuals.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 352 WESTERLY CIR, LUDLOW, MA 01056-1625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 352 WESTERLY CIR, LUDLOW, MA 01056-1625 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025235-426 |
|---|---|
| Date | Nov 21, 2023 |
| Book Page | 25235/426 |
| Instrument | 55627 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 352 Westerly Cir was $9,609, up 1.7% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,609.00 (+1.74%) | $600,200 (+10.25%) Land $99,000 Building $501,200 | $624,747 (+10.32%) |
| 2025 | $9,445.00 (+4.73%) | $544,400 (+9.21%) Land $90,000 Building $454,400 | $566,295 (+3.81%) |
| 2024 | $9,018.00 (+3.8%) | $498,500 (+11.95%) Land $90,000 Building $408,500 | $545,490 |
| 2023 | $8,688.00 | $445,300 Land $74,800 Building $370,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 352 Westerly Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
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 risk around 352 Westerly Cir is low, with a 0.01% annual chance of 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.
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 |
5G (outdoors only) and 4G LTE
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