70 Waters Edge, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 70 Waters Edge, Ludlow, MA 01056

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,088 sqft · built 1995
Lot Size	7.82 acres (340,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$138,000 (Jun 2012)
Tax Bill	$3,793 (2026)
Deeds & Mortgages	May 2025 Line of Credit Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:12C-17370 B:55A L:70`

Property Details

APN / Parcel Number

Primary APN	`M:12C-17370 B:55A L:70`
Alternative APNs	`LUDL M:12C B:17370 P:55A E:70` `8161`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Building Area	1,088 sqft Living Area
Gross Area	1,696 sqft
Basement Area	512 sqft
Unfinished Basement	512 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Condo/Apartment
Construction Type	Frame
Lot Area	340,930 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	8161
Street Address	70 WATERS EDGE
City	LUDLOW
State	MA
Zip	01056-2261
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Subdivision	WATERS EDGE CONDOS
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	2 Individual Names on Record
Mailing Address	70 WATERS EDGE, LUDLOW, MA 01056-2261
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
May 16, 2025	Deed of Trust, Mortgage · Line of Credit COUNTRY BANK
Mar 8, 2023	Deed, Transfer
Aug 13, 2019	Deed of Trust, Mortgage · Balloon Mortgage COUNTRY BANK
Aug 15, 2019	Deed of Trust, Mortgage · Balloon Mortgage COUNTRY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2012 · Amount on Record
Deed Sale	Jun 26, 2012 · Amount on Record
Prior Sale	Jun 1, 2001 · Amount on Record
Deed Book / Page	19319 / 257
Transfer Doc	019319-257
Record Updated	Oct 29, 2026

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	70 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025865-353
Date	May 16, 2025
Book Page	25865/353
Instrument	21621

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 8, 2023
Property Address	70 WATERS EDGE, LUDLOW, MA 01056-2261
Document Number	024931-143
Book / Page	24931 / 143
Instrument Date	Mar 8, 2023
Instrument	10586
Transaction Type	Transfer
Record Updated	Mar 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	70 WATERS EDGE, LUDLOW, MA 01056-2261

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	70 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22800-531
Date	Aug 13, 2019
Book Page	22800/531
Instrument	45327

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2044

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	70 WATERS EDGE, LUDLOW, MA 01056-2261
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22805-283
Date	Aug 15, 2019
Book Page	22805/283
Instrument	46011

Lender

Name	COUNTRY BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2044

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	$3,793.00 (-6.97%)	$236,900 (+0.81%) Building $236,900	$244,863 (-1.36%)
2025	$4,077.00 (+5.4%)	$235,000 (+9.92%) Building $235,000	$248,235 (+3.24%)
2024	$3,868.00 (+10.51%)	$213,800 (+19.18%) Building $213,800	$240,445
2023	$3,500.00	$179,400 Building $179,400

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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