71 Bowles Ave, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 71 Bowles Ave, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,350 sqft · built 2005
Lot Size	0.345 acres (15,028 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,953 (2025)
Deeds & Mortgages	Apr 2021 Transfer Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27B-02300 B:115G L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27B-02300 B:115G L:0`
Alternative APNs	`LUDL M:27B B:2300 P:115G` `10071`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,350 sqft Living Area
Gross Area	4,574 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,028 sqft (0.345 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	10071
Street Address	71 BOWLES AVE
City	LUDLOW
State	MA
Zip	01056-3107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PEDRO FERNANDES SURV
Legal Block	2300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1012
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records, as of July 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	71 BOWLES AVE, LUDLOW, MA 01056-3107
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Quit Claim Deed, Transfer Quitclaim
Aug 27, 2019	Quit Claim Deed, Transfer · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 25, 2021
Transfer Doc	23839-34
Record Updated	Sep 20, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 22, 2021
Property Address	71 BOWLES AVE, LUDLOW, MA 01056-3107
Document Number	23839-34
Book / Page	23839 / 34
Instrument Date	Mar 25, 2021
Instrument	27273
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	71 BOWLES AVE, LUDLOW, MA 01056-3107

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Aug 27, 2019
Property Address	71 BOWLES AVE, LUDLOW, MA 01056-3107
Document Number	22823-35
Book / Page	022823 / 000035
Instrument Date	Aug 5, 2019
Instrument	48512
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 BOWLES AVE LUDLOW MA 010563107, LUDLOW, MA 01056-3107

Mortgage

Document Number	22823-38
Date	Aug 27, 2019
Book Page	022823/000038
Instrument	48513

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2049

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
2025	$7,953.00 (+4.33%)	$458,400 (+8.78%) Land $85,400 Building $373,000	$509,295 (+19.05%)
2024	$7,623.00 (+2.39%)	$421,400 (+10.43%) Land $85,200 Building $336,200	$427,785
2023	$7,445.00	$381,600 Land $74,800 Building $306,800

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	Direct burnable vegetation

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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