48 Pine Glen Dr, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 48 Pine Glen Dr, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,074 sqft · built 2002
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on File
Last Sale	$505,000 (May 2018)
Tax Bill	$12,909 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Sep 2020 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:024-11375 B:73B L:0`

Property Details

APN / Parcel Number

Primary APN	`M:024-11375 B:73B L:0`
Alternative APNs	`LUDL M:24 B:11375 P:73B` `6480`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	4,074 sqft Living Area
Gross Area	12,556 sqft
Basement Area	2,678 sqft
Unfinished Basement	2,678 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,647 sqft (1.53 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6480
Street Address	48 PINE GLEN DR
City	LUDLOW
State	MA
Zip	01056-1688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PINE GLEN
Legal Block	11375
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3012
Census Tract	810414

Owner

48 Pine Glen Dr is owned and occupied by two individuals who bought it in May 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 PINE GLEN DR, LUDLOW, MA 01056-1688
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 29, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK OF RHODE ISLAND
May 31, 2018	Warranty Deed, Transfer COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2018 · Amount on File
Deed Sale	May 31, 2018 · Amount on File
Prior Sale	Aug 8, 2001 · Amount on File
Deed Document Number	201829871
Deed Book / Page	22196 / 375
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	48 PINE GLEN DR, LUDLOW, MA 01056-1688
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24255-192
Date	Nov 19, 2021
Book Page	24255/192
Instrument	82337

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	48 PINE GLEN DR, LUDLOW, MA 01056-1688
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23447-387
Date	Sep 29, 2020
Book Page	23447/387
Instrument	55576

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LUDLOW MA
Recording Date	May 31, 2018
Property Address	48 PINE GLEN DR, LUDLOW, MA 01056-1688
Document Number	22196-375
Book / Page	22196 / 375
Instrument	29871
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.41
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 PINE GLEN DR, LUDLOW, MA 01056-1688

Mortgage

Document Number	221960377
Date	May 31, 2018
Instrument	22196/0377

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	May 31, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 48 Pine Glen Dr was $12,909, down 3.4% 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	$12,909.00 (-3.41%)	$806,300 (+4.67%) Land $103,400 Building $702,900	$826,903 (+1.05%)
2025	$13,365.00 (+5.06%)	$770,300 (+9.54%) Land $94,100 Building $676,200	$818,330 (+3.68%)
2024	$12,721.00 (+4.78%)	$703,200 (+13%) Land $94,100 Building $609,100	$789,260
2023	$12,141.00	$622,300 Land $78,200 Building $544,100

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

Flood

FEMA maps place 48 Pine Glen Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1984.

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	6 in force
Nearby Flood Claims	4 (1984–2013)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Jun 2013 · 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

Wildfire risk around 48 Pine Glen Dr 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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