Hampden County and Ludlow Town property record for 55 Karen Dr, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,552 sqft · built 1970 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Jun 2024) |
| Tax Bill | $5,844 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:27A-08000 B:156 L:0 |
| Primary APN | M:27A-08000 B:156 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,552 sqft Living Area |
| Gross Area | 3,515 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Raised Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,988 sqft (0.39 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Account Number | 4598 |
|---|---|
| Street Address | 55 KAREN DR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-3151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 8000 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 810404 |
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 110 CHAPIN GREENE DR, LUDLOW, MA 01056-2307 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on Record |
| Deed Sale | Jun 28, 2024 · Amount on Record |
| Prior Sale | Jun 7, 1968 · Amount on Record |
| Deed Document Number | 202428524 |
| Deed Book / Page | 25472 / 488 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Apr 17, 2026 |
| Property Address | 55 KAREN DR, LUDLOW, MA 01056-3151 |
| Document Number | 026294-113 |
| Book / Page | 26294 / 113 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202616509 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 55 KAREN DR, LUDLOW, MA 01056-3151 |
| Document Number | 0000016509, |
|---|---|
| Date | Apr 17, 2026 |
| Book Page | 26294/113 |
| Instrument | 202616509 |
| Name | PIONEER VALLEY PO FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
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 | $5,844.00 (+0.07%) | $365,000 (+8.44%) Land $95,500 Building $269,500 | $375,559 (-1.56%) |
| 2025 | $5,840.00 (+0.64%) | $336,600 (+4.93%) Land $86,800 Building $249,800 | $381,520 (+0.2%) |
| 2024 | $5,803.00 (+1.75%) | $320,800 (+9.75%) Land $86,700 Building $234,100 | $380,760 |
| 2023 | $5,703.00 | $292,300 Land $76,100 Building $216,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 2 (1996–2011) |
| Most Recent Claim | Mar 2011 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 287 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, GoNetspeed, Verizon.
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