46 Cislak Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 46 Cislak Dr, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,380 sqft · built 2003
Lot Size	0.928 acres (40,424 sqft)
Owner	2 Individual Names on File
Last Sale	$717,000 (Jul 2024)
Tax Bill	$10,337 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:026-04075 B:54S L:0`

Property Details

APN / Parcel Number

Primary APN	`M:026-04075 B:54S L:0`
Alternative APNs	`LUDL M:26 B:4075 P:54S` `9347`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,380 sqft Living Area
Gross Area	6,872 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,424 sqft (0.928 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9347
Street Address	46 CISLAK DR
City	LUDLOW
State	MA
Zip	01056-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4075
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3015
Census Tract	810414

Owner

Source: Hampden County and Ludlow Town records · APN M:026-04075 B:54S L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	46 CISLAK DR, LUDLOW, MA 01056-1504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 04, 2020	Warranty Deed, Transfer · Conventional Mortgage NORWICH COM'L
Jan 17, 2017	Deed of Trust, Mortgage · Line of Credit LUSO FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Dec 04, 2020 · Amount on Record
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 04, 2020
Property Address	46 CISLAK DR, LUDLOW, MA 01056-1504
Document Number	0000224174
Instrument Date	Dec 04, 2020
Instrument	224174
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,325.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 FLANAGAN DR FRAMINGHAM MA 017013714, FRAMINGHAM, MA 01701-3714

Mortgage

Document Number	224175
Date	Dec 04, 2020
Instrument	224175

Lender

Name	NORWICH COM'L

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 03, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 CISLAK DR, LUDLOW, MA 01056-1504
Document Number	0000209527
Instrument Date	Jan 17, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209527
Date	Jan 23, 2017
Instrument	209527

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 22, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,337.00 (+4.1%)	$595,800 (+8.54%) Land $133,100 Building $462,700	$671,745 (+0.77%)
2024	$9,930.00 (+1.77%)	$548,900 (+9.76%) Land $133,000 Building $415,900	$666,615
2023	$9,757.00	$500,100 Land $116,800 Building $383,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104143, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 93 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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