Hampden County and Ludlow Town property record for 46 River St, Ludlow, MA 01056 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Architecture Style | Ranch |
| Year Built | Built 2003 |
| Square Footage | 1,387 sqft Living Area |
| Lot Size | 15,028 sqft (0.345 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $6,574.00 (2025) |
| Primary APN | M:12A-12800 B:14A L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,387 sqft Living Area |
| Gross Area | 3,637 sqft Gross Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,028 sqft (0.345 acres) |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Oil Heating Fuel |
| Account Number | 7142 |
|---|---|
| Street Address | 46 RIVER ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2634 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Block | 12800 |
| Jurisdiction | LUDLOW MA |
| Minor Civil Division | LUDLOW |
| Census Blockgroup | 1 |
| Census Block | 1005 |
| Census Tract | 810403 |
Source: Hampden County and Ludlow Town records · APN M:12A-12800 B:14A 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 RIVER ST, LUDLOW, MA 01056-2634 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 09, 2026 | Deed of Trust, Mortgage · Line of Credit COUNTRY BANK |
| Oct 03, 2025 | Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment LUSO FCU |
| Aug 16, 2022 | Deed of Trust, Mortgage · Stand Alone Refinance MONSON SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jul 09, 2026 |
| Property Address | 46 RIVER ST, LUDLOW, MA 01056-2634 |
| Document Number | 0000031771 |
| Book / Page | 26409 / 214 |
| Instrument Date | Jul 02, 2026 |
| Instrument | 202631771 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 46 RIVER ST, LUDLOW, MA 01056-2634 |
| Document Number | 0000031771, |
|---|---|
| Date | Jul 09, 2026 |
| Book Page | 26409/214 |
| Instrument | 202631771 |
| Name | COUNTRY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 46 RIVER ST, LUDLOW, MA 01056-2634 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2025 |
| Name | Verified Name |
|---|
| Document Number | 026055-449 |
|---|---|
| Date | Oct 03, 2025 |
| Book Page | 26055/449 |
| Instrument | 47163 |
| Name | LUSO FCU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage to Cover Down Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 46 RIVER ST, LUDLOW, MA 01056-2634 |
| Transaction Type | Mortgage |
| Record Updated | Sep 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024684-204 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 24684/204 |
| Instrument | 49568 |
| Name | MONSON SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2037 |
Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
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 | $6,574.00 (+5.3%) | $378,900 (+9.79%) Land $73,800 Building $305,100 | $342,950 (-) |
| 2024 | $6,243.00 (+4.94%) | $345,100 (+13.18%) Land $73,600 Building $271,500 | $342,950 |
| 2023 | $5,949.00 | $304,900 Land $61,200 Building $243,700 |
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