56 Overlook Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 56 Overlook Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,636 sqft · built 1994
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$364,900 (Dec 2021)
Tax Bill	$7,786 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:010-10880 B:242 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-10880 B:242 L:0`
Alternative APNs	`LUDL M:10 B:10880 P:242` `6362`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,636 sqft Living Area
Gross Area	5,212 sqft
Basement Area	1,608 sqft
Unfinished Basement	1,608 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6362
Street Address	56 OVERLOOK DR
City	LUDLOW
State	MA
Zip	01056-1094
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	10880
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	2 Individual Names on Record
Mailing Address	56 OVERLOOK DR, LUDLOW, MA 01056-1094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
May 13, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 15, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2021 · Amount on Record
Deed Sale	Dec 15, 2021 · Amount on Record
Prior Sale	Jul 15, 1994 · Amount on Record
Deed Document Number	202189809
Deed Book / Page	24306 / 433
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Sep 10, 2026
Property Address	56 OVERLOOK DR, LUDLOW, MA 01056-1094
Document Number	0000044055
Book / Page	26502 / 451
Instrument Date	Aug 26, 2026
Instrument	202644055
Transaction Type	Mortgage
Record Updated	Sep 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	56 OVERLOOK DR, LUDLOW, MA 01056-1094
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044055,
Date	Sep 10, 2026
Book Page	26502/451
Instrument	202644055

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Max Rate	-1%

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	56 OVERLOOK DR, LUDLOW, MA 01056-1094
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	025861-124
Date	May 13, 2025
Book Page	25861/124
Instrument	21006

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 15, 2021
Property Address	56 OVERLOOK DR, LUDLOW, MA 01056-1094
Document Number	024306-433
Book / Page	24306 / 433
Instrument Date	Dec 15, 2021
Instrument	89809
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 LILLIAN ST, LUDLOW, MA 01056-2615

Mortgage

Document Number	0000089810
Date	Dec 15, 2021
Instrument	89810

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone First 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	$7,786.00 (+0.28%)	$486,300 (+8.67%) Land $98,800 Building $387,500	$423,493 (-2.35%)
2025	$7,764.00 (+5.6%)	$447,500 (+10.11%) Land $89,800 Building $357,700	$433,675 (+4.01%)
2024	$7,352.00 (+3.72%)	$406,400 (+11.86%) Land $89,600 Building $316,800	$416,955
2023	$7,088.00	$363,300 Land $82,100 Building $281,200

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

Nearby Properties on Overlook Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures