48 Arnold St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 48 Arnold St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1970
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Company Names on Record
Last Sale	$350,000 (Apr 2026)
Tax Bill	$4,603 (2026)
Deeds & Mortgages	Apr 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`M:11A-00900 B:30 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:11A-00900 B:30 L:0`
Alternative APNs	`LUDL M:11A B:900 P:30` `378`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	3,440 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1986
Architectural Style	Ranch
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	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	378
Street Address	48 ARNOLD ST
City	LUDLOW
State	MA
Zip	01056-1814
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	3022
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	2 Company Names on Record
Mailing Address	20 ALVIN ST, LUDLOW, MA 01056-1810
Owner Type	Company
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	May 28, 1970 · Amount on Record
Deed Document Number	202617910
Deed Book / Page	26305 / 26
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Apr 24, 2026
Property Address	48 ARNOLD ST, LUDLOW, MA 01056-1814
Document Number	0026305-26
Book / Page	26305 / 26
Instrument Date	Apr 23, 2026
Instrument	202617910
Transaction Type	Transfer
Record Updated	Jul 6, 2026

Transaction

Amount	Amount Recorded
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
Address	20 ALVIN ST, LUDLOW, MA 01056-1810

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	$4,603.00 (-0.35%)	$287,500 (+8%) Land $93,600 Building $193,900	$331,620 (+16.36%)
2025	$4,619.00 (+4.27%)	$266,200 (+8.7%) Land $85,100 Building $181,100	$285,000 (-6.16%)
2024	$4,430.00 (-0.72%)	$244,900 (+7.08%) Land $85,100 Building $159,800	$303,715
2023	$4,462.00	$228,700 Land $77,900 Building $150,800

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

Nearby Properties on Arnold St

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