490 E Lake Rd, Ludlow, VT 05149 Property Records

Ludlow Town property record for 490 E Lake Rd, Ludlow, VT 05149 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 5,631 sqft · built 1992
Lot Size	11.3 acres (495,277 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Sep 1999)
Tax Bill	$13,474 (2025)
Deeds & Mortgages	Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`363-112-10744`

Property Details

APN / Parcel Number

Primary APN	`363-112-10744`
Alternative APNs	`(112) 210248.000` `M:210 B:248.000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	5,631 sqft Living Area
Gross Area	7,237 sqft
Basement Area	1,883 sqft
Finished Basement	2,055 sqft
Unfinished Basement	188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	495,277 sqft (11.3 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	490 E LAKE RD
City	LUDLOW
State	VT
Zip	05149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST LAKE ROAD 490 ONE FAMILY
Jurisdiction	LUDLOW VT
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3024
Census Tract	966300

Owner

Source: Ludlow Town records · APN 363-112-10744

Assessment roll updated June 5, 2026 · Last verified August 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 File
Mailing Address	490 E LAKE RD, LUDLOW, VT 05149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 02, 1999 · Amount on Record
Deed Sale	Sep 02, 1999 · Amount on Record
Deed Document Number	1999358929
Deed Book / Page	189 / 161
Last Transfer Date	Aug 19, 2025
Transfer Doc	0650869952
Record Updated	Sep 20, 2026

November 2025: Divorce Transfer, Transfer

Document Type	Divorce Transfer
Jurisdiction	LUDLOW VT
Recording Date	Nov 18, 2025
Property Address	490 E LAKE RD, LUDLOW, VT 05149
Document Number	0650869952
Instrument Date	Aug 19, 2025
Instrument	650869952
Transaction Type	Transfer
Record Updated	Dec 01, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 DEPOT ST, LUDLOW, VT 05149-1002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E LAKE RD, LUDLOW, VT 05149

Tax Assessment & Valuation

Source: Ludlow Town records · Assessment roll updated June 5, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Vermont
County	Windsor County
County Subdivision	Ludlow Town
Elementary School District	Ludlow Mt. Holly Unified Union School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2025	$13,474.00 (-5.82%) Homeowner's exemption	$679,300 (-) Land $176,200 Building $503,100
2024	$14,306.00	$679,300 Land $176,200 Building $503,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Windsor County (50027C), updated April 13, 2021 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 500279663003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 25 individual NFIP policies nearby
Nearby Flood Policies	25 in force 4 of 25 on primary residences
Nearby Flood Claims	16 (2011–2024)
Claims Outside the SFHA	1 of 16
Most Recent Claim	Aug 2024, other causes, Tropical Depression Debby
Flood Events	Severe Storm And Flooding (Dec 2023), 2 claims Severe Storms, Flooding, Landslides, And Mudslides (Jul 2023), 10 claims Tropical Storm Irene (Aug 2011), 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 52% of Vermont
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.