Hampden County and Ludlow Town property record for 36 Arnold St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,116 sqft · built 1963 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $219,000 (Jul 2010) |
| Tax Bill | $4,814 (2026) |
| Deeds & Mortgages | Jun 2026 Second Mortgage Nov 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | M:11A-00900 B:31 L:0 |
| Primary APN | M:11A-00900 B:31 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,116 sqft Living Area |
| Gross Area | 4,404 sqft |
| Basement Area | 1,116 sqft |
| Unfinished Basement | 1,116 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 | 379 |
|---|---|
| Street Address | 36 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 |
Source: Hampden County and Ludlow Town records, as of October 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 | 36 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage |
| Nov 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2010 · Amount on Record |
| Deed Sale | Jul 16, 2010 · Amount on Record |
| Deed Document Number | 201042003 |
| Deed Book / Page | 18375 / 194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 12, 2026 |
| Property Address | 36 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Document Number | 0000000905 |
| Book / Page | 26372 / 270 |
| Instrument Date | May 5, 2026 |
| Instrument | 2026905 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 36 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Document Number | 026372-270, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 26372/270 |
| Instrument | 2026905 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 1, 2036 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 36 ARNOLD ST, LUDLOW, MA 01056-1814 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24218-110 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 24218/110 |
| Instrument | 77495 |
| Name | NEWREZ LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
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 | $4,814.00 (-0.37%) | $300,700 (+7.97%) Land $93,600 Building $207,100 | $313,177 (+3.47%) |
| 2025 | $4,832.00 (+3.38%) | $278,500 (+7.78%) Land $85,100 Building $193,400 | $302,670 (+0.16%) |
| 2024 | $4,674.00 (+3.48%) | $258,400 (+11.62%) Land $85,100 Building $173,300 | $302,195 |
| 2023 | $4,517.00 | $231,500 Land $77,900 Building $153,600 |
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
| 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.
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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