38 Pine Glen Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 38 Pine Glen Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 4,019 sqft · built 1997
Lot Size	1.04 acres (45,694 sqft)
Owner	2 Trust Names on Record
Tax Bill	$14,511 (2026)
Deeds & Mortgages	Dec 2018 Refinance Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:024-11375 B:73A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:024-11375 B:73A L:0`
Alternative APNs	`LUDL M:24 B:11375 P:73A` `6479`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,019 sqft Living Area
Gross Area	11,134 sqft
Basement Area	3,468 sqft
Unfinished Basement	3,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	45,694 sqft (1.04 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	6479
Street Address	38 PINE GLEN DR
City	LUDLOW
State	MA
Zip	01056-1688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PINE GLEN
Legal Block	11375
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3012
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 Trust Names on Record
Mailing Address	38 PINE GLEN DR, LUDLOW, MA 01056-1688
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2018	Deed of Trust, Mortgage · Stand-Alone Refinance ROBERT J STENJA
Nov 27, 2018	Deed of Trust, Mortgage · Closed-End Mortgage LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2016
Deed Sale	Oct 19, 2016
Prior Sale	May 21, 1997 · Amount on Record
Deed Document Number	201662377
Deed Book / Page	21407 / 193
Transfer Doc	20389-187
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	38 PINE GLEN DR, LUDLOW, MA 01056-1688
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22493-320
Date	Dec 20, 2018
Book Page	22493/320
Instrument	75736

Lender

Name	ROBERT J STENJA

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	38 PINE GLEN DR, LUDLOW, MA 01056-1688
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22459-584
Date	Nov 27, 2018
Book Page	22459/584
Instrument	70512

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Closed-End 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	$14,511.00 (-0.03%)	$906,400 (+8.34%) Land $101,800 Building $804,600	$876,272 (+16.86%)
2025	$14,515.00 (+6.27%)	$836,600 (+10.81%) Land $92,500 Building $744,100	$749,835 (+2.41%)
2024	$13,658.00 (+3.01%)	$755,000 (+11.09%) Land $92,500 Building $662,500	$732,165
2023	$13,259.00	$679,600 Land $76,900 Building $602,700

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 10 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

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