385 Westerly Cir, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 385 Westerly Cir, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,698 sqft · built 2005
Lot Size	1.1 acres (48,003 sqft)
Owner	Individual Name on File
Last Sale	$412,500 (Jun 2014)
Tax Bill	$9,484 (2026)
Deeds & Mortgages	May 2020 Refinance May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:040-17900 B:138 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:040-17900 B:138 L:0`
Alternative APNs	`LUDL M:40 B:17900 P:138` `8648`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,698 sqft Living Area
Gross Area	6,651 sqft
Basement Area	1,378 sqft
Unfinished Basement	1,378 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2012
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	48,003 sqft (1.1 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	8648
Street Address	385 WESTERLY CIR
City	LUDLOW
State	MA
Zip	01056-1626
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

385 Westerly Cir is owned and occupied by an individual who bought it in June 2014.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	385 WESTERLY CIR, LUDLOW, MA 01056-1626
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.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
May 20, 2020	Deed of Trust, Mortgage · Balloon Mortgage LUSO FCU
Apr 15, 2026	Deed of Trust, Mortgage · Line of Credit LUSO FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2014 · Amount on File
Deed Sale	Jun 30, 2014 · Amount on File
Prior Sale	Jun 11, 2004 · Amount on File
Deed Book / Page	20333 / 114
Transfer Doc	020333-114
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	385 WESTERLY CIR, LUDLOW, MA 01056-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23217-351
Date	May 20, 2020
Book Page	23217/351
Instrument	25399

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	385 WESTERLY CIR, LUDLOW, MA 01056-1626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23217-565
Date	May 20, 2020
Book Page	23217/565
Instrument	25447

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jun 1, 2040

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 15, 2026
Property Address	385 WESTERLY CIR, LUDLOW, MA 01056-1626
Document Number	026291-450
Book / Page	26291 / 450
Instrument Date	May 15, 2020
Instrument	202616199
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	385 WESTERLY CIR, LUDLOW, MA 01056-1626

Mortgage

Document Number	0000016199,
Date	Apr 15, 2026
Book Page	26291/450
Instrument	202616199

Lender

Name	LUSO FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	169 Months
Due	May 1, 2040

Interest

Rate	3.3%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 385 Westerly Cir was $9,484, up 2% from the year before.

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	$9,484.00 (+1.97%)	$592,400 (+10.5%) Land $101,900 Building $490,500	$632,364 (-6.56%)
2025	$9,301.00 (+4.48%)	$536,100 (+8.94%) Land $92,600 Building $443,500	$676,780 (+4.46%)
2024	$8,902.00 (+3.04%)	$492,100 (+11.13%) Land $92,700 Building $399,400	$647,900
2023	$8,639.00	$442,800 Land $77,100 Building $365,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 385 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

Wildfire risk around 385 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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