46 Pinewood Rd, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 46 Pinewood Rd, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,156 sqft · built 2006
Lot Size	0.364 acres (15,856 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jul 2023)
Tax Bill	$7,670 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:16C-11500 B:45 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16C-11500 B:45 L:0`
Alternative APNs	`LUDL M:16C B:11500 P:45` `9784`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,156 sqft Living Area
Gross Area	4,632 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	15,856 sqft (0.364 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	9784
Street Address	46 PINEWOOD RD
City	LUDLOW
State	MA
Zip	01056-1434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	11500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2012
Census Tract	810414

Owner

46 Pinewood Rd is owned and occupied by two individuals who bought it in July 2023.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	46 PINEWOOD RD, LUDLOW, MA 01056-1434
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Line of Credit FLORENCE BANK
Jul 25, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage RIVER CITY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2023 · Amount on File
Deed Sale	Jul 25, 2023 · Amount on File
Prior Sale	Aug 5, 2013 · Amount on File
Deed Book / Page	25090 / 417
Prior Transfer Date	Jul 24, 2023
Prior Transfer Doc	025090-417
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 PINEWOOD RD, LUDLOW, MA 01056-1434
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024469-409
Date	Mar 28, 2022
Book Page	24469/409
Instrument	18519

Lender

Name	FLORENCE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jul 25, 2023
Property Address	46 PINEWOOD RD, LUDLOW, MA 01056-1434
Document Number	025090-417
Book / Page	25090 / 417
Instrument Date	Jul 24, 2023
Instrument	33998
Transaction Type	Transfer
Record Updated	Jan 26, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2205 BOSTON RD APT M122, M122, WILBRAHAM, MA 01095-1151

Mortgage

Document Number	0000033999
Date	Jul 25, 2023
Instrument	33999

Lender

Name	RIVER CITY MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 46 Pinewood Rd was $7,670, up 1.4% from the year before.

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	$7,670.00 (+1.44%)	$479,100 (+9.94%) Land $120,400 Building $358,700	$490,712 (-2.3%)
2025	$7,561.00 (+3.22%)	$435,800 (+7.63%) Land $109,500 Building $326,300	$502,265 (+8.38%)
2024	$7,325.00 (+3.17%)	$404,900 (+11.27%) Land $109,300 Building $295,600	$463,410
2023	$7,100.00	$363,900 Land $95,900 Building $268,000

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

Flood

FEMA maps place 46 Pinewood Rd in Zone X, an area of minimal flood risk.

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 Policies	2 in force

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

Wildfire risk around 46 Pinewood Rd is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 139 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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