Hampden County and Ludlow Town property record for 98 Gamache Dr, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,222 sqft · built 1988 |
| Lot Size | 0.606 acres (26,397 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,251 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:01C-05925 B:109H L:0 |
| Primary APN | M:01C-05925 B:109H L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,222 sqft Living Area |
| Gross Area | 3,792 sqft |
| Basement Area | 936 sqft |
| Unfinished Basement | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 26,397 sqft (0.606 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 3592 |
|---|---|
| Street Address | 98 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 |
98 Gamache Dr is owned and occupied by two individuals.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 GAMACHE DR, LUDLOW, MA 01056-2236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 98 Gamache Dr was $7,251, up 1.9% from the year before.
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 | $7,251.00 (+1.91%) | $452,900 (+10.44%) Land $106,700 Building $346,200 | $476,807 (-6.92%) |
| 2025 | $7,115.00 (+3.85%) | $410,100 (+8.29%) Land $97,000 Building $313,100 | $512,240 (-0.88%) |
| 2024 | $6,851.00 (+1.81%) | $378,700 (+9.8%) Land $98,100 Building $280,600 | $516,800 |
| 2023 | $6,729.00 | $344,900 Land $89,900 Building $255,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Gamache Dr in Zone X, an area of minimal flood risk.
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 risk around 98 Gamache Dr is low, with less than a 0.01% annual chance of wildfire.
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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