89 Cislak Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 89 Cislak Dr, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,699 sqft · built 2005
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Feb 2022)
Tax Bill	$12,846 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:026-04075 B:54D L:0`

Property Details

APN / Parcel Number

Primary APN	`M:026-04075 B:54D L:0`
Alternative APNs	`LUDL M:26 B:4075 P:54D` `9342`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,699 sqft Living Area
Gross Area	8,357 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2014
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	40,511 sqft (0.93 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9342
Street Address	89 CISLAK DR
City	LUDLOW
State	MA
Zip	01056-1508
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PLAN 36535C
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:54D 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	2 Individual Names on File
Mailing Address	89 CISLAK DR, LUDLOW, MA 01056-1508
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 18, 2022 · Amount on Record
Deed Sale	Feb 18, 2022 · Amount on Record
Prior Sale	Jul 16, 2004 · Amount on Record
Record Updated	Sep 20, 2026

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Feb 18, 2022
Property Address	89 CISLAK DR, LUDLOW, MA 01056-1508
Document Number	0000229583
Instrument Date	Feb 18, 2022
Instrument	229583
Transaction Type	Transfer
Record Updated	Nov 20, 2025

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
Relationship	Tenants by the Entirety
Address	13 HUNTERS RIDGE CIR, SOUTHWICK, MA 01077-9387

Mortgage

Document Number	0000229584
Date	Feb 18, 2022
Instrument	229584

Lender

Name	WEBSTER BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$12,846.00 (+10.05%)	$740,400 (+14.74%) Land $133,100 Building $607,300	$850,440 (+6.79%)
2024	$11,673.00 (+15.11%)	$645,300 (+24.14%) Land $133,100 Building $512,200	$796,385
2023	$10,141.00	$519,800 Land $116,800 Building $403,000

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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.