121 Arnold St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 121 Arnold St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,734 sqft · built 1940
Lot Size	0.946 acres (41,208 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Apr 2019)
Tax Bill	$5,901 (2026)
Deeds & Mortgages	Aug 2026 Second Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`M:11B-00900 B:52 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11B-00900 B:52 L:0`
Alternative APNs	`LUDL M:11B B:900 P:52` `387`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
Gross Area	4,704 sqft
Basement Area	1,734 sqft
Unfinished Basement	1,734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	41,208 sqft (0.946 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	387
Street Address	121 ARNOLD ST
City	LUDLOW
State	MA
Zip	01056-1817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3010
Census Tract	810412

Owner

121 Arnold St is owned and occupied by two individuals who bought it in April 2019.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POLISH NATIONAL CREDIT UNION
Nov 4, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) POLISH NATIONAL CU
Apr 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance POLISH NATIONAL CU
Aug 5, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Apr 26, 2019	Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2019 · Amount on File
Deed Sale	Apr 26, 2019 · Amount on File
Deed Document Number	201921269
Deed Book / Page	22639 / 586
Prior Transfer Date	Apr 24, 2019
Prior Transfer Doc	22639-586
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Aug 31, 2026
Property Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
Document Number	0000042041
Book / Page	26488 / 1
Instrument Date	Aug 26, 2026
Instrument	202642041
Transaction Type	Mortgage
Record Updated	Sep 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 ARNOLD ST, LUDLOW, MA 01056-1817

Mortgage

Document Number	0000042041,
Date	Aug 31, 2026
Book Page	26488/1
Instrument	202642041

Lender

Name	POLISH NATIONAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024793-89
Date	Nov 4, 2022
Book Page	24793/89
Instrument	65592

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024486-86
Date	Apr 6, 2022
Book Page	24486/86
Instrument	20916

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23349-283
Date	Aug 5, 2020
Book Page	23349/283
Instrument	42655

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Sep 1, 2045

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 26, 2019
Property Address	121 ARNOLD ST, LUDLOW, MA 01056-1817
Document Number	22639-586
Book / Page	022639 / 000586
Instrument Date	Apr 24, 2019
Instrument	21269
Transaction Type	Transfer
Record Updated	May 14, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,139.25
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 ARNOLD ST LUDLOW MA 010561817, LUDLOW, MA 01056-1817

Mortgage

Document Number	22639-589
Date	Apr 26, 2019
Book Page	022639/000589
Instrument	21270

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 121 Arnold St was $5,901, up 2.1% from the year before.

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	$5,901.00 (+2.11%)	$368,600 (+10.66%) Land $96,700 Building $271,900	$392,270 (+5.69%)
2025	$5,779.00 (+4.26%)	$333,100 (+8.71%) Land $87,900 Building $245,200	$371,165 (-1.29%)
2024	$5,543.00 (+3.72%)	$306,400 (+11.87%) Land $87,900 Building $218,500	$376,010
2023	$5,344.00	$273,900 Land $80,500 Building $193,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 121 Arnold St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 121 Arnold St 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	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 324 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

Cell Coverage

5G (outdoors only) and 4G LTE

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