Hampden County and Ludlow Town property record for 24 Arnold St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 1963 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Aug 2025) |
| Tax Bill | $4,643 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Mar 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | M:11A-00900 B:32 L:0 |
| Primary APN | M:11A-00900 B:32 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 3,124 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 380 |
|---|---|
| Street Address | 24 ARNOLD ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1814 |
| 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 | 3022 |
| Census Tract | 810412 |
24 Arnold St is owned by an individual who bought it in August 2025.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 100 MEADOW ST, WESTFIELD, MA 01085-3204 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 29, 2025 | Fiduciary Deed, Transfer · Conventional Mortgage BANKESB |
| Mar 5, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2025 · Amount on File |
| Deed Sale | Aug 29, 2025 · Amount on File |
| Prior Sale | Jul 18, 1963 · Amount on File |
| Deed Book / Page | 26007 / 434 |
| Record Updated | Oct 29, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 29, 2025 |
| Property Address | 24 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Document Number | 026007-434 |
| Book / Page | 26007 / 434 |
| Instrument Date | Aug 29, 2025 |
| Instrument | 40726 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 100 MEADOW ST # 1ST, WESTFIELD, MA 01085-3204 |
| Document Number | 0000040727 |
|---|---|
| Date | Aug 29, 2025 |
| Instrument | 40727 |
| Name | BANKESB |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Number | 026007-452 |
|---|---|
| Date | Aug 29, 2025 |
| Book Page | 26007/452 |
| Instrument | 40728 |
| Name | BANKESB |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Mar 5, 2021 |
| Property Address | 24 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Document Number | 23743-351 |
| Book / Page | 23743 / 351 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 15000 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6 GREEN AVE, BELCHERTOWN, MA 01007-9638 |
The 2026 property tax bill for 24 Arnold St was $4,643, up 0.5% 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 | $4,643.00 (+0.5%) | $290,000 (+8.9%) Land $93,600 Building $196,400 | $307,001 (+16.04%) |
| 2025 | $4,620.00 (+3.98%) | $266,300 (+8.43%) Land $85,100 Building $181,200 | $264,575 (-10.36%) |
| 2024 | $4,443.00 (+6.06%) | $245,600 (+14.39%) Land $85,100 Building $160,500 | $295,165 |
| 2023 | $4,189.00 | $214,700 Land $77,900 Building $136,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 24 Arnold St 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 24 Arnold St 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 95% of the US · lower than 90% 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 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 |
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