Hampden County and Ludlow Town property record for 98 Westerly Cir, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,368 sqft · built 1989 |
| Lot Size | 1.35 acres (59,111 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,688 (2026) |
| Deeds & Mortgages | Jul 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | M:033-17900 B:109Y L:0 |
| Primary APN | M:033-17900 B:109Y 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 | 2,368 sqft Living Area |
| Gross Area | 4,832 sqft |
| Basement Area | 1,432 sqft |
| Unfinished Basement | 1,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Contemporary |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 59,111 sqft (1.35 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 8624 |
|---|---|
| Street Address | 98 WESTERLY CIR |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1661 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WAVERLY HEIGHTS PLAN SEC 03 |
| Legal Block | 17900 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 810414 |
98 Westerly Cir is owned and occupied by two individuals who acquired it in July 2023.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 98 WESTERLY CIR, LUDLOW, MA 01056-1661 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
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 |
|---|---|
| Last Sale | Aug 4, 2011 |
| Deed Sale | Aug 4, 2011 |
| Prior Sale | Sep 28, 1995 · Amount on File |
| Deed Document Number | 20114 |
| Deed Book / Page | 18868 / 40 |
| Last Transfer Date | Jul 25, 2023 |
| Transfer Doc | 025093-192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jul 26, 2023 |
| Property Address | 98 WESTERLY CIR, LUDLOW, MA 01056-1661 |
| Document Number | 025093-192 |
| Book / Page | 25093 / 192 |
| Instrument Date | Jul 25, 2023 |
| Instrument | 34359 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 WESTERLY CIR, LUDLOW, MA 01056-1661 |
The 2026 property tax bill for 98 Westerly Cir was $7,688, up 2.2% 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 | $7,688.00 (+2.15%) | $480,200 (+10.7%) Land $102,800 Building $377,400 | $520,355 (-2.8%) |
| 2025 | $7,526.00 (+3.69%) | $433,800 (+8.13%) Land $93,500 Building $340,300 | $535,325 (+6.02%) |
| 2024 | $7,258.00 (+4.33%) | $401,200 (+12.51%) Land $93,500 Building $307,700 | $504,925 |
| 2023 | $6,957.00 | $356,600 Land $77,800 Building $278,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 98 Westerly Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.
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 risk around 98 Westerly Cir is low, with 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 80% of the US · above 57% of Massachusetts |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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