91 Heritage Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 91 Heritage Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,267 sqft · built 1983
Lot Size	0.689 acres (30,013 sqft)
Owner	Individual Name on Record
Last Sale	$226,000 (Jun 2013)
Tax Bill	$6,159 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Oct 2024 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:018-06880 B:93 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:018-06880 B:93 L:0`
Alternative APNs	`LUDL M:18 B:6880 P:93` `3989`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,267 sqft Living Area
Gross Area	5,103 sqft
Basement Area	1,240 sqft
Unfinished Basement	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,013 sqft (0.689 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	3989
Street Address	91 HERITAGE DR
City	LUDLOW
State	MA
Zip	01056-1173
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	6880
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2006
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Oct 9, 2024	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MID-ISLAND MORTGAGE CORP
Nov 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance MID-ISLAND MORTGAGE CORP
Mar 16, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 31, 2020	Deed of Trust, Mortgage · Balloon Mortgage COUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2013 · Amount on Record
Deed Sale	Jun 7, 2013 · Amount on Record
Prior Sale	Feb 1, 2001 · Amount on Record
Deed Book / Page	19860 / 129
Transfer Doc	019860-129
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024764-15
Date	Oct 13, 2022
Book Page	24764/15
Instrument	61159

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025604-546
Date	Oct 9, 2024
Book Page	25604/546
Instrument	46894

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024248-69
Date	Nov 15, 2021
Book Page	24248/69
Instrument	81379

Lender

Name	MID-ISLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Dec 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24248-69
Date	Nov 15, 2021
Book Page	24248/69
Instrument	81379

Lender

Name	MID-ISLAND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21602-191
Date	Mar 16, 2017
Book Page	21602/191
Instrument	13564

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	91 HERITAGE DR, LUDLOW, MA 01056-1173
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23339-391
Date	Jul 31, 2020
Book Page	23339/391
Instrument	41444

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2045

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
2026	$6,159.00 (-0.48%)	$384,700 (+7.85%) Land $106,300 Building $278,400	$400,488 (+5.37%)
2025	$6,189.00 (+3.46%)	$356,700 (+7.86%) Land $96,600 Building $260,100	$380,095 (+11.11%)
2024	$5,982.00 (+4%)	$330,700 (+12.18%) Land $96,600 Building $234,100	$342,095
2023	$5,752.00	$294,800 Land $84,800 Building $210,000

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	2 in force

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 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

Cell Coverage

5G (outdoors only) and 4G LTE

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