77 Cislak Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 77 Cislak Dr, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,250 sqft · built 2002
Lot Size	0.932 acres (40,598 sqft)
Owner	Individual Name on File
Last Sale	$720,000 (Oct 2021)
Tax Bill	$13,320 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:026-04075 B:54C L:0`

Property Details

APN / Parcel Number

Primary APN	`M:026-04075 B:54C L:0`
Alternative APNs	`LUDL M:26 B:4075 P:54C` `9341`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,250 sqft Living Area
Gross Area	11,861 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,598 sqft (0.932 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9341
Street Address	77 CISLAK DR
City	LUDLOW
State	MA
Zip	01056-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PLAN 36535-C
Legal Block	4075
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records · APN M:026-04075 B:54C L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	77 CISLAK DR, LUDLOW, MA 01056-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Line of Credit EASTERN BANK
Oct 14, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage LEADER BANK NA
Jul 29, 2019	Deed of Trust, Mortgage · VA Mortgage QUAD CTY BK&TR

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 14, 2021 · Amount on Record
Deed Sale	Oct 14, 2021 · Amount on Record
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	77 CISLAK DR, LUDLOW, MA 01056-1508
Transaction Type	Mortgage
Record Updated	Apr 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229814
Date	Mar 16, 2022
Instrument	229814

Lender

Name	EASTERN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 14, 2021
Property Address	77 CISLAK DR, LUDLOW, MA 01056-1508
Document Number	228059
Instrument Date	Oct 14, 2021
Instrument	228059
Transaction Type	Transfer
Record Updated	Oct 29, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	77 CISLAK DR, LUDLOW, MA 01056-1508

Mortgage

Document Number	228060
Date	Oct 14, 2021
Instrument	228060

Lender

Name	LEADER BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	77 CISLAK DR, LUDLOW, MA 01056-1508
Document Number	0000219095
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	77 CISLAK DR LUDLOW MA 010561508, LUDLOW, MA 01056-1508

Mortgage

Document Number	0000219095
Date	Aug 12, 2019
Instrument	219095

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,320.00 (-5.48%)	$767,700 (-1.45%) Land $133,200 Building $634,500	$920,170 (+6.9%)
2024	$14,092.00 (+3.09%)	$779,000 (+11.19%) Land $133,200 Building $645,800	$860,795
2023	$13,669.00	$700,600 Land $116,900 Building $583,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104143, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013, rainfall accumulation

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 93 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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