76 Overlook Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 76 Overlook Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,534 sqft · built 1992
Lot Size	0.517 acres (22,521 sqft)
Owner	Individual Name on Record
Last Sale	$330,000 (Dec 2020)
Tax Bill	$7,389 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:010-10880 B:240 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-10880 B:240 L:0`
Alternative APNs	`LUDL M:10 B:10880 P:240` `6360`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,534 sqft Living Area
Gross Area	2,914 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2022
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,521 sqft (0.517 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6360
Street Address	76 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 July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	76 OVERLOOK DR, LUDLOW, MA 01056-1094
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage LOANDEPOT.COM LLC
Mar 6, 2017	Warranty Deed, Transfer · FHA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2020 · Amount on Record
Deed Sale	Dec 10, 2020 · Amount on Record
Prior Sale	Mar 6, 2017 · Amount on Record
Transfer Doc	21143-186
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 10, 2020
Property Address	76 OVERLOOK DR, LUDLOW, MA 01056-1094
Document Number	23584-263
Book / Page	23584 / 263
Instrument Date	Nov 25, 2020
Instrument	73920
Transaction Type	Transfer
Record Updated	May 11, 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
Address	2191 PAGE BLVD, SPRINGFIELD, MA 01151-1344

Mortgage

Document Number	73921
Date	Dec 10, 2020
Instrument	73921

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 6, 2017
Property Address	76 OVERLOOK DR, LUDLOW, MA 01056-1094
Document Number	21590-78
Book / Page	021590 / 000078
Instrument Date	Mar 6, 2017
Instrument	11647
Transaction Type	Transfer
Record Updated	Mar 28, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,302.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 MILLER ST LUDLOW MA 010563315, LUDLOW, MA 01056-3315

Mortgage

Document Number	21590-81
Date	Mar 6, 2017
Book Page	021590/000081
Instrument	11648

Lender

Name	USAA

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2047

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	$7,389.00 (+2.91%)	$425,900 (+7.31%) Land $94,200 Building $331,700	$411,920 (+3.93%)
2024	$7,180.00 (+4.31%)	$396,900 (+12.5%) Land $95,000 Building $301,900	$396,340
2023	$6,883.00	$352,800 Land $87,000 Building $265,800

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

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

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