Hampden County and Ludlow Town property record for 78 Gamache Dr, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,816 sqft · built 1988 |
| Lot Size | 0.606 acres (26,397 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $330,000 (Aug 2020) |
| Tax Bill | $6,844 (2026) |
| Deeds & Mortgages | May 2022 Sale Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:01C-05925 B:109F L:0 |
| Primary APN | M:01C-05925 B:109F L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,816 sqft Living Area |
| Gross Area | 3,462 sqft |
| Basement Area | 672 sqft |
| Unfinished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 26,397 sqft (0.606 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 3590 |
|---|---|
| Street Address | 78 GAMACHE DR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 5925 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 810412 |
Source: Hampden County and Ludlow Town records, as of October 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 | 78 GAMACHE DR, LUDLOW, MA 01056-2236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2022 | Warranty Deed, Transfer |
| Aug 28, 2020 | Quit Claim Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2020 · Amount on Record |
| Deed Sale | Aug 28, 2020 · Amount on Record |
| Prior Sale | Sep 5, 1997 · Amount on Record |
| Last Transfer Date | May 6, 2022 |
| Transfer Doc | 0024536-97 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 6, 2022 |
| Property Address | 78 GAMACHE DR, LUDLOW, MA 01056-2236 |
| Document Number | 0024536-97 |
| Book / Page | 24536 / 97 |
| Instrument Date | May 6, 2022 |
| Instrument | 27960 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 78 GAMACHE DR, LUDLOW, MA 01056-2236 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 28, 2020 |
| Property Address | 78 GAMACHE DR, LUDLOW, MA 01056-2236 |
| Document Number | 23392-108 |
| Book / Page | 23392 / 108 |
| Instrument Date | Aug 24, 2020 |
| Instrument | 48245 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 DAY AVE, EAST LONGMEADOW, MA 01028-1938 |
| Document Number | 48246 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 48246 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,844.00 (-0.16%) | $427,500 (+8.2%) Land $106,700 Building $320,800 | $437,454 (-5.66%) |
| 2025 | $6,855.00 (+2.12%) | $395,100 (+6.47%) Land $97,000 Building $298,100 | $463,695 (+0.83%) |
| 2024 | $6,713.00 (+2.55%) | $371,100 (+10.61%) Land $98,100 Building $273,000 | $459,895 |
| 2023 | $6,546.00 | $335,500 Land $89,900 Building $245,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.7% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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