47 Arnold St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 47 Arnold St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,356 sqft · built 1977
Lot Size	0.287 acres (12,502 sqft)
Owner	Company Name on File
Last Sale	$34,500 (Apr 1978)
Tax Bill	$5,664 (2026)
Deeds & Mortgages	Nov 2022 Transfer Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:11A-00900 B:28A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11A-00900 B:28A L:0`
Alternative APNs	`LUDL M:11A B:900 P:28A` `377`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,356 sqft Living Area
Gross Area	3,608 sqft
Basement Area	1,356 sqft
Unfinished Basement	1,356 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,502 sqft (0.287 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	377
Street Address	47 ARNOLD ST
City	LUDLOW
State	MA
Zip	01056-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	900
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3021
Census Tract	810412

Owner

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

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

Owner of Record	Company Name on File
Mailing Address	47 ARNOLD ST, LUDLOW, MA 01056-1815
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2022	Quit Claim Deed, Transfer Quitclaim
Nov 15, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 1978 · Amount on File
Deed Sale	Apr 28, 1978 · Amount on File
Deed Book / Page	4582 / 360
Last Transfer Date	Oct 12, 2022
Transfer Doc	024805-500
Record Updated	Oct 29, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 15, 2022
Property Address	47 ARNOLD ST, LUDLOW, MA 01056-1815
Document Number	024804-407
Book / Page	24804 / 407
Instrument Date	Oct 26, 2022
Instrument	67331
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	47 ARNOLD ST, LUDLOW, MA 01056-1815

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 15, 2022
Property Address	47 ARNOLD ST, LUDLOW, MA 01056-1815
Document Number	024805-500
Book / Page	24805 / 500
Instrument Date	Oct 12, 2022
Instrument	67487
Transaction Type	Transfer
Record Updated	Dec 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 HOLYOKE ST, LUDLOW, MA 01056-1931

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	47 ARNOLD ST, LUDLOW, MA 01056-1815
Document Number	22513-145
Instrument Date	Dec 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 ARNOLD ST LUDLOW MA 010561815, LUDLOW, MA 01056-1815

Mortgage

Document Number	22513-145
Date	Jan 7, 2019
Book Page	022513/000145
Instrument	949

Lender

Name	KEYBANK USA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

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	$5,664.00 (+0.18%)	$353,800 (+8.56%) Land $95,900 Building $257,900	$328,109 (+9.5%)
2025	$5,654.00 (+5.09%)	$325,900 (+9.58%) Land $87,200 Building $238,700	$299,630 (-5.46%)
2024	$5,380.00 (+3.32%)	$297,400 (+11.43%) Land $87,100 Building $210,300	$316,920
2023	$5,207.00	$266,900 Land $79,700 Building $187,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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 324 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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