7 Karen Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 7 Karen Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,040 sqft · built 1970
Lot Size	0.509 acres (22,172 sqft)
Owner	2 Individual Names on Record
Last Sale	$214,900 (Jun 2001)
Tax Bill	$6,383 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:27A-08000 B:152 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-08000 B:152 L:0`
Alternative APNs	`LUDL M:27A B:8000 P:152` `4594`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
Gross Area	6,374 sqft
Basement Area	1,992 sqft
Unfinished Basement	1,992 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,172 sqft (0.509 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	4594
Street Address	7 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

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	7 KAREN DR, LUDLOW, MA 01056-3151
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2025	Deed of Trust, Mortgage · Line of Credit MONSON SAVINGS BANK
Oct 27, 2023	Deed, Transfer
Jul 31, 2018	Deed of Trust, Mortgage · Line of Credit LUSO FCU
Jan 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2001 · Amount on Record
Deed Sale	Jun 14, 2001 · Amount on Record
Deed Book / Page	11696 / 316
Last Transfer Date	Oct 24, 2023
Transfer Doc	0025207-15
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 KAREN DR, LUDLOW, MA 01056-3151
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025948-545
Date	Jul 21, 2025
Book Page	25948/545
Instrument	32853

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

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

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 27, 2023
Property Address	7 KAREN DR, LUDLOW, MA 01056-3151
Document Number	0025207-15
Book / Page	25207 / 15
Instrument Date	Oct 24, 2023
Instrument	51299
Transaction Type	Transfer
Record Updated	Nov 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7 KAREN DR, LUDLOW, MA 01056-3151

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 KAREN DR, LUDLOW, MA 01056-3151
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22291-289
Date	Jul 31, 2018
Book Page	22291/289
Instrument	44667

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2038

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	7 KAREN DR, LUDLOW, MA 01056-3151
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23628-446
Date	Jan 4, 2021
Book Page	23628/446
Instrument	381

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

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	$6,383.00 (+0.27%)	$398,700 (+8.67%) Land $98,900 Building $299,800	$444,339 (-4.49%)
2025	$6,366.00 (+5.29%)	$366,900 (+9.78%) Land $89,900 Building $277,000	$465,215 (+3.4%)
2024	$6,046.00 (+2.27%)	$334,200 (+10.3%) Land $90,700 Building $243,500	$449,920
2023	$5,912.00	$303,000 Land $79,600 Building $223,400

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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