91 Laurel Ln, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 91 Laurel Ln, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 1982
Lot Size	0.942 acres (41,034 sqft)
Owner	Trust Name on Record
Last Sale	$158,000 (Jun 1995)
Tax Bill	$6,399 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:030-08550 B:148 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:030-08550 B:148 L:0`
Alternative APNs	`LUDL M:30 B:8550 P:148` `4909`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	4,970 sqft
Basement Area	1,594 sqft
Unfinished Basement	1,594 sqft

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,034 sqft (0.942 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	4909
Street Address	91 LAUREL LN
City	LUDLOW
State	MA
Zip	01056-3333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	8550
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3029
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	Trust Name on Record
Mailing Address	91 LAUREL LN, LUDLOW, MA 01056-3333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 29, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 1995 · Amount on Record
Deed Sale	Jun 30, 1995 · Amount on Record
Deed Book / Page	9172 / 483
Last Transfer Date	Jun 24, 2020
Transfer Doc	23284-228
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	May 4, 2026
Property Address	91 LAUREL LN, LUDLOW, MA 01056-3333
Document Number	0000019673
Book / Page	26319 / 25
Instrument Date	Apr 20, 2026
Instrument	202619673
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 LAUREL LN, LUDLOW, MA 01056-3333

Mortgage

Document Number	0026319-25,
Date	May 4, 2026
Book Page	26319/25
Instrument	202619673

Lender

Name	CITIZENS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Max Rate	-1%

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 29, 2020
Property Address	91 LAUREL LN, LUDLOW, MA 01056-3333
Document Number	23284-228
Book / Page	023284 / 000228
Instrument Date	Jun 24, 2020
Instrument	34126
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 LAUREL LN LUDLOW MA 010563333, LUDLOW, MA 01056-3333

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	$6,399.00 (+0.06%)	$399,700 (+8.44%) Land $99,800 Building $299,900	$399,484 (+7.3%)
2025	$6,395.00 (+4.37%)	$368,600 (+8.83%) Land $90,700 Building $277,900	$372,305 (+2.73%)
2024	$6,127.00 (+5.95%)	$338,700 (+14.27%) Land $90,700 Building $248,000	$362,425
2023	$5,783.00	$296,400 Land $75,400 Building $221,000

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · rainfall accumulation

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 196 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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