94 Valley View Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 94 Valley View Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,371 sqft · built 1996
Lot Size	3.41 acres (148,540 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Oct 2018)
Tax Bill	$9,579 (2025)
Deeds & Mortgages	Aug 2025 Line of Credit Jan 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:010-15300 B:251 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:010-15300 B:251 L:0`
Alternative APNs	`LUDL M:10 B:15300 P:251` `7859`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,371 sqft Living Area
Gross Area	6,306 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	148,540 sqft (3.41 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	7859
Street Address	94 VALLEY VIEW DR
City	LUDLOW
State	MA
Zip	01056-3807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	15300
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records, as of July 20, 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 Record
Mailing Address	94 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2025	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 10, 2017	Deed of Trust, Mortgage WESTFIELD BANK
Dec 4, 2020	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LCC
Oct 24, 2018	Quit Claim Deed, Transfer · Conventional Mortgage FREEDOM CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 24, 2018 · Amount on Record
Deed Sale	Oct 24, 2018 · Amount on Record
Prior Sale	Mar 28, 1997 · Amount on Record
Deed Book / Page	22415 / 63
Record Updated	Sep 20, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	94 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025985-53
Date	Aug 14, 2025
Book Page	25985/53
Instrument	37686

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2040

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	94 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21527-156
Date	Jan 10, 2017
Book Page	21527/156
Instrument	1480

Lender

Name	WESTFIELD BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2032

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	94 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23572-135
Date	Dec 4, 2020
Book Page	23572/135
Instrument	72121

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Jan 1, 2026

Interest

Rate Type	Adjustable Rate

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 24, 2018
Property Address	94 VALLEY VIEW DR, LUDLOW, MA 01056-3807
Document Number	22415-63
Book / Page	022415 / 000063
Instrument Date	Oct 19, 2018
Instrument	63592
Transaction Type	Transfer
Record Updated	Nov 21, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,860.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 FLORIDA ST LUDLOW MA 010562612, LUDLOW, MA 01056-2612

Mortgage

Document Number	22415-66
Date	Oct 24, 2018
Book Page	022415/000066
Instrument	63593

Lender

Name	FREEDOM CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 23, 2048

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
2025	$9,579.00 (+3.28%)	$552,100 (+7.68%) Land $121,300 Building $430,800	$515,470 (+1.86%)
2024	$9,275.00 (+4.27%)	$512,700 (+12.46%) Land $121,400 Building $391,300	$506,065
2023	$8,895.00	$455,900 Land $111,100 Building $344,800

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

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.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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