46 Eden St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 46 Eden St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,326 sqft · built 1951
Lot Size	0.258 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$221,900 (Aug 2006)
Tax Bill	$4,877 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:27A-05050 B:99 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:27A-05050 B:99 L:0`
Alternative APNs	`LUDL M:27A B:5050 P:99` `2956`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	3,936 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1968
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,238 sqft (0.258 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2956
Street Address	46 EDEN ST
City	LUDLOW
State	MA
Zip	01056-3733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	5050
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1019
Census Tract	810404

Owner

Source: Hampden County and Ludlow Town records · APN M:27A-05050 B:99 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	Individual Name on File
Mailing Address	46 EDEN ST, LUDLOW, MA 01056-3733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 25, 2006 · Amount on Record
Deed Sale	Aug 25, 2006 · Amount on Record
Prior Sale	Apr 20, 2005 · Amount on Record
Deed Book / Page	16147 / 459
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Apr 23, 2026
Property Address	46 EDEN ST, LUDLOW, MA 01056-3733
Document Number	026301-432
Book / Page	26301 / 432
Instrument Date	Apr 17, 2026
Instrument	202617472
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 EDEN ST, LUDLOW, MA 01056-3733

Mortgage

Document Number	0000017472,
Date	Apr 23, 2026
Book Page	26301/432
Instrument	202617472

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate	6.22%
Max Rate	-1%

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	$4,877.00 (+2.74%)	$281,100 (+7.13%) Land $82,400 Building $198,700	$360,240 (+2.71%)
2024	$4,747.00 (+8.78%)	$262,400 (+17.3%) Land $82,300 Building $180,100	$350,740
2023	$4,364.00	$223,700 Land $72,300 Building $151,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), as of June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138104041, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T, GoNetspeed, Verizon.

Based on FCC filings for 287 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MA1281000, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.