Hampden County and Ludlow Town property record for 98 Tower Rd, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 720 sqft · built 1950 |
| Lot Size | 1.1 acres (47,916 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $101,000 (Jul 2001) |
| Tax Bill | $3,718 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:031-15100 B:76 L:0 |
| Primary APN | M:031-15100 B:76 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Living Area |
| Gross Area | 1,500 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 47,916 sqft (1.1 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 7848 |
|---|---|
| Street Address | 98 TOWER RD |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1558 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 15100 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 810414 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 98 TOWER RD, LUDLOW, MA 01056-1558 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2001 · Amount on Record |
| Deed Sale | Jul 18, 2001 · Amount on Record |
| Deed Book / Page | 11759 / 245 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 98 TOWER RD, LUDLOW, MA 01056-1558 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0025035-43 |
|---|---|
| Date | Jun 8, 2023 |
| Book Page | 25035/43 |
| Instrument | 26080 |
| Name | ALDEN CREDIT UNION |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 61 Months |
| Due | Jul 1, 2028 |
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 |
|---|---|---|---|
| 2025 | $3,718.00 (+2.76%) | $214,300 (+7.15%) Land $92,500 Building $121,800 | $258,115 (+7.9%) |
| 2024 | $3,618.00 (+9.94%) | $200,000 (+18.55%) Land $92,600 Building $107,400 | $239,210 |
| 2023 | $3,291.00 | $168,700 Land $77,000 Building $91,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: FCC Broadband Data Collection, based on 129 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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