38 Valley View Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 38 Valley View Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,496 sqft · built 1996
Lot Size	0.614 acres (26,746 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jan 2016)
Tax Bill	$6,362 (2026)
Deeds & Mortgages	May 2021 Refinance May 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:010-15300 B:266 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-15300 B:266 L:0`
Alternative APNs	`LUDL M:10 B:15300 P:266` `7865`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
Gross Area	3,592 sqft
Basement Area	576 sqft
Unfinished Basement	576 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,746 sqft (0.614 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7865
Street Address	38 VALLEY VIEW DR
City	LUDLOW
State	MA
Zip	01056-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	15300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
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	Individual Name on Record
Mailing Address	38 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FLORENCE BANK
May 26, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance FLORENCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2016 · Amount on Record
Deed Sale	Jan 28, 2016 · Amount on Record
Prior Sale	Mar 5, 2008 · Amount on Record
Deed Book / Page	21043 / 463
Last Transfer Date	May 21, 2021
Transfer Doc	023905-318
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	38 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023905-321
Date	May 26, 2021
Book Page	23905/321
Instrument	36132

Lender

Name	FLORENCE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	May 26, 2021
Property Address	38 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Document Number	023905-318
Book / Page	23905 / 318
Instrument Date	May 21, 2021
Instrument	36131
Transaction Type	Transfer
Record Updated	Jul 26, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 VALLEY VIEW DR, LUDLOW, MA 01056-3807

Mortgage

Document Number	0000036132
Date	May 26, 2021
Instrument	36132

Lender

Name	FLORENCE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

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	$6,362.00 (-0.06%)	$397,400 (+8.31%) Land $107,100 Building $290,300	$391,891 (-6.61%)
2025	$6,366.00 (+1.76%)	$366,900 (+6.1%) Land $97,400 Building $269,500	$419,615
2024	$6,256.00 (+3.4%)	$345,800 (+11.51%) Land $98,400 Building $247,400
2023	$6,050.00	$310,100 Land $90,100 Building $220,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people · EPA ID MA1281000
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	4 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids not recorded as resolved · Apr 2026 Total trihalomethanes not recorded as resolved · Oct 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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