68 Karen Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 68 Karen Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1971
Lot Size	0.367 acres (15,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,000 (Sep 1995)
Tax Bill	$4,499 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`M:27A-08000 B:147 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-08000 B:147 L:0`
Alternative APNs	`LUDL M:27A B:8000 P:147` `4589`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	3,817 sqft
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,987 sqft (0.367 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	4589
Street Address	68 KAREN DR
City	LUDLOW
State	MA
Zip	01056-3127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	CHAPIN HEIGHTS
Legal Block	8000
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1041
Census Tract	810404

Owner

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	68 KAREN DR, LUDLOW, MA 01056-3127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Nov 30, 2020	Warranty Deed, Transfer · Stand-Alone Refinance LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 1995 · Amount on Record
Deed Sale	Sep 22, 1995 · Amount on Record
Deed Book / Page	9256 / 365
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	68 KAREN DR, LUDLOW, MA 01056-3127
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024870-107
Date	Jan 9, 2023
Book Page	24870/107
Instrument	1214

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	289 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 30, 2020
Property Address	68 KAREN DR, LUDLOW, MA 01056-3127
Document Number	23560-364
Book / Page	23560 / 364
Instrument Date	Nov 24, 2020
Instrument	70662
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration 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	3 KAREN DR, LUDLOW, MA 01056-3151

Mortgage

Document Number	23560-367
Date	Nov 30, 2020
Book Page	23560/367
Instrument	70663

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2035

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	$4,499.00 (+0.16%)	$281,000 (+8.54%) Land $94,700 Building $186,300	$312,961 (-2.56%)
2025	$4,492.00 (+4.03%)	$258,900 (+8.46%) Land $86,100 Building $172,800	$321,195 (+3.17%)
2024	$4,318.00 (+5.24%)	$238,700 (+13.5%) Land $85,900 Building $152,800	$311,315
2023	$4,103.00	$210,300 Land $75,400 Building $134,900

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 · 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.

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 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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