46 John St, Ludlow, MA 01056 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,264 sqft · built 1947
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (Sep 2003)
Tax Bill	$4,252 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:16B-07900 B:26 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16B-07900 B:26 L:0`
Alternative APNs	`LUDL M:16B B:7900 P:26` `4554`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,264 sqft Living Area
Gross Area	2,896 sqft
Basement Area	904 sqft
Unfinished Basement	904 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4554
Street Address	46 JOHN ST
City	LUDLOW
State	MA
Zip	01056-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	7900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1011
Census Tract	810412

Owner

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	Individual Name on Record
Mailing Address	46 JOHN ST, LUDLOW, MA 01056-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUAD CTY BK&TR
Feb 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2003 · Amount on Record
Deed Sale	Sep 19, 2003 · Amount on Record
Deed Book / Page	13594 / 452
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	Aug 3, 2026
Property Address	46 JOHN ST, LUDLOW, MA 01056-2007
Document Number	0000036623
Book / Page	26447 / 91
Instrument Date	Jul 28, 2026
Instrument	202636623
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 JOHN ST, LUDLOW, MA 01056-2007

Mortgage

Document Number	0000036623,
Date	Aug 3, 2026
Book Page	26447/91
Instrument	202636623

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 JOHN ST, LUDLOW, MA 01056-2007
Document Number	22537-321
Instrument Date	Jan 22, 2019
Transaction Type	Mortgage
Record Updated	Feb 19, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 JOHN ST LUDLOW MA 010562007, LUDLOW, MA 01056-2007

Mortgage

Document Number	22537-321
Date	Jan 28, 2019
Book Page	022537/000321
Instrument	5018

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 JOHN ST, LUDLOW, MA 01056-2007
Document Number	21573-183
Book / Page	021573 / 000183
Instrument Date	Feb 13, 2017
Transaction Type	Mortgage
Record Updated	Mar 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	21573-183
Date	Feb 21, 2017
Book Page	021573/000183
Instrument	8939

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2047

Tax Assessment & Valuation

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	$4,252.00 (-2.48%)	$265,600 (+5.69%) Land $89,500 Building $176,100	$299,141 (-3.88%)
2025	$4,360.00 (+2.64%)	$251,300 (+7.03%) Land $81,400 Building $169,900	$311,220 (+1.74%)
2024	$4,248.00 (+6.52%)	$234,800 (+14.87%) Land $81,400 Building $153,400	$305,900
2023	$3,988.00	$204,400 Land $71,400 Building $133,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2011 · rainfall accumulation

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.

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	Direct burnable vegetation

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 213 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

May also be available: Verizon.

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