64 Waters Edge, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 64 Waters Edge, Ludlow, MA 01056

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,028 sqft · built 1995
Lot Size	7.82 acres (340,930 sqft)
Owner	Individual Name on Record
Last Sale	$155,900 (Oct 2017)
Tax Bill	$3,661 (2026)
Deeds & Mortgages	Mar 2021 Refinance Oct 2022 Refinance + 6 more
Flood Zone	Zone X (minimal risk)
APN	`M:12C-17370 B:55A L:64`

Property Details

APN / Parcel Number

Primary APN	`M:12C-17370 B:55A L:64`
Alternative APNs	`LUDL M:12C B:17370 P:55A E:64` `8155`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,028 sqft Living Area
Gross Area	1,650 sqft
Basement Area	338 sqft
Unfinished Basement	338 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	340,930 sqft

Location & Zoning

Account Number	8155
Street Address	64 WATERS EDGE
City	LUDLOW
State	MA
Zip	01056-2261
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Block	17370
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2000
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	Individual Name on Record
Mailing Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Oct 14, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ARRHA CREDIT UNION
May 4, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Aug 19, 2019	Deed of Trust, Mortgage QUAD CTY BK&TR
Feb 11, 2019	Deed of Trust, Mortgage · Conventional with PMI QUAD CTY BK&TR
Oct 10, 2017	Quit Claim Deed, Transfer PACIFIC UNION FINCL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2017 · Amount on Record
Deed Sale	Oct 10, 2017 · Amount on Record
Prior Sale	Dec 20, 2012 · Amount on Record
Deed Book / Page	21894 / 475
Transfer Doc	021894-475
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023751-119
Date	Mar 9, 2021
Book Page	23751/119
Instrument	15796

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024767-41
Date	Oct 14, 2022
Book Page	24767/41
Instrument	61618

Lender

Name	ARRHA CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024994-53
Date	May 4, 2023
Book Page	24994/53
Instrument	20238

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	349 Months
Due	Jun 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024223-119
Date	Nov 2, 2021
Book Page	24223/119
Instrument	78134

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Nov 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24223-119
Date	Nov 2, 2021
Book Page	24223/119
Instrument	78134

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Document Number	22819-577
Instrument Date	Aug 19, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 WATERS EDGE #64 LUDLOW MA 010562261, 64, LUDLOW, MA 01056-2261

Mortgage

Document Number	22819-577
Date	Aug 26, 2019
Book Page	022819/000577
Instrument	48077

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Document Number	22558-45
Instrument Date	Feb 11, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 WATERS EDGE #64 LUDLOW MA 010562261, 64, LUDLOW, MA 01056-2261

Mortgage

Document Number	22558-45
Date	Feb 15, 2019
Book Page	022558/000045
Instrument	8427

Lender

Name	QUAD CTY BK&TR
Type	Bank

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Feb 14, 2039

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Oct 10, 2017
Property Address	64 WATERS EDGE, LUDLOW, MA 01056-2261
Document Number	21894-475
Book / Page	21894 / 475
Instrument	59700
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.81
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 WATERS EDGE, LUDLOW, MA 01056-2261

Mortgage

Document Number	218940479
Date	Oct 10, 2017
Instrument	21894/0479

Lender

Name	PACIFIC UNION FINCL

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2047

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	$3,661.00 (-7.01%)	$228,700 (+0.79%) Building $228,700	$275,408 (+11.72%)
2025	$3,937.00 (+5.69%)	$226,900 (+10.2%) Building $226,900	$246,525 (+3.1%)
2024	$3,725.00 (+10.63%)	$205,900 (+19.29%) Building $205,900	$239,115
2023	$3,367.00	$172,600 Building $172,600

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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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 193 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

May also be available: Verizon.

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