68 Overlook Dr, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,715 sqft · built 1993
Lot Size	0.366 acres (15,943 sqft)
Owner	2 Individual Names on File
Last Sale	$321,000 (Nov 2018)
Tax Bill	$6,929 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:010-10880 B:241 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-10880 B:241 L:0`
Alternative APNs	`LUDL M:10 B:10880 P:241` `6361`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,715 sqft Living Area
Gross Area	4,340 sqft
Basement Area	1,155 sqft
Unfinished Basement	1,155 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,943 sqft (0.366 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6361
Street Address	68 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

68 Overlook Dr is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	68 OVERLOOK DR, LUDLOW, MA 01056-1094
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
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage PIONEER VALLEY CU
Nov 12, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance NORCOM MORTGAGE
Nov 9, 2018	Warranty Deed, Transfer WESTFIELD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2018 · Amount on File
Deed Sale	Nov 9, 2018 · Amount on File
Prior Sale	Feb 9, 1994 · Amount on File
Deed Document Number	201867680
Deed Book / Page	22441 / 495
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	68 OVERLOOK DR, LUDLOW, MA 01056-1094
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026137-315
Date	Dec 5, 2025
Book Page	26137/315
Instrument	58207

Lender

Name	PIONEER VALLEY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	109 Months
Due	Jan 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	68 OVERLOOK DR, LUDLOW, MA 01056-1094
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23532-152
Date	Nov 12, 2020
Book Page	23532/152
Instrument	66944

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

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

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 9, 2018
Property Address	68 OVERLOOK DR, LUDLOW, MA 01056-1094
Document Number	22441-495
Book / Page	22441 / 495
Instrument	67680
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.39
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	224410497
Date	Nov 9, 2018
Instrument	22441/0497

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 68 Overlook Dr was $6,929, up 1.1% 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	$6,929.00 (+1.08%)	$432,800 (+9.54%) Land $99,000 Building $333,800	$439,755 (-0.41%)
2025	$6,855.00 (+2.08%)	$395,100 (+6.44%) Land $90,000 Building $305,100	$441,560 (+3.96%)
2024	$6,715.00 (+1.65%)	$371,200 (+9.63%) Land $89,800 Building $281,400	$424,745
2023	$6,606.00	$338,600 Land $82,200 Building $256,400

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

Flood

FEMA maps place 68 Overlook Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 68 Overlook Dr 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	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

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