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Single Family ResidenceResidential
$528,311$225 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 89How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $133,000 on Sep 27, 1996

49 CHARLES ST

LUDLOW, MA 01056
3
Beds
2.5
Baths
2,352 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.92 ac
Lot SizeThe size of the land the home sits on, from county records.
1995
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$528K
$468K low$589K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$133,000 · Sep 27, 1996

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,789 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$486,500 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$99,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$387,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$439,100
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$490,222

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.96 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Raised Ranch
CountyHAMPDEN
Lot (acres)The size of the land the home sits on, from county records.0.92
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Hot Water
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(10)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Ludlow Senior High SchoolC
High · Grades 9–12 · 2.3 mi
E
East Street Elementary School
Elementary · Grades PK–1 · 2.6 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 2.6 mi

District: Ludlow School District

Neighborhood · ZIP 01056These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.20,664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.738 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,317
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,106
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

49 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 88% of homes in Hampden County
  • Costs less per square foot than 71% of homes in Ludlow 01056
  • Bigger than 86% of homes in Ludlow 01056
  • Has a bigger lot than 81% of homes in Hampden County
  • Newer than 89% of homes in Hampden County

What homes are worth in Ludlow 01056

Each bar is how many homes fall in that price range. The marker is this home.

This home
$235K$740K

This home is worth more than 86% of homes in Ludlow 01056.

How it measures up in Ludlow 01056

The dot is this home. The mark in the middle is the typical home in Ludlow 01056.

Estimated value$528,311
CheaperTypical $360,668Pricier

Pricier than 86% of homes nearby

Price per ft²$225
CheaperTypical $248Pricier

Pricier than 29% of homes nearby

Living area2,352 ft²
SmallerTypical 1,527 ft²Bigger

Bigger than 86% of homes nearby

Lot size0.92 ac
SmallerTypical 0.4 acBigger

Bigger than 72% of homes nearby

Year built1995
OlderTypical 1964Newer

Newer than 83% of homes nearby

How 49 Charles St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$528,31186% of homes88% of homes
Price per ft²pricier than$22529% of homes35% of homes
Living areabigger than2,352 ft²86% of homes82% of homes
Lot sizebigger than0.92 ac72% of homes81% of homes
Year builtnewer than199583% of homes89% of homes

About 49 Charles St

How much is 49 Charles St, Ludlow, MA worth?

The TopHap Estimate for 49 Charles St, Ludlow, MA is $528,311 as of Sep 24, 2026. The likely range is $467,744 to $588,878. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 49 Charles St, Ludlow, MA last sell?

49 Charles St, Ludlow, MA last sold on Sep 27, 1996 for $133,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 49 Charles St, Ludlow, MA?

49 Charles St, Ludlow, MA has 3 bedrooms, 2.5 bathrooms, 2,352 square feet of living space and a 0.92-acre lot.

When was 49 Charles St, Ludlow, MA built?

49 Charles St, Ludlow, MA was built in 1995, making it 31 years old. It is a raised ranch home. The building has 1 story.

What schools serve 49 Charles St, Ludlow, MA?

49 Charles St, Ludlow, MA is assigned to Ludlow Senior High School (high), rated C; East Street Elementary School (elementary); Paul R Baird Middle School (middle), rated C-. All sit in Ludlow School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 49 Charles St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 86% of them ($528,311 against a typical $360,668), its price per square foot is higher than 29% of them ($225 against a typical $248), it is bigger than 86% of them (2,352 ft² against a typical 1,527 ft²), its lot is bigger than 72% of them (0.92 ac against a typical 0.4 ac) and it is newer than 83% of them (1995 against a typical 1964). Measured against all of Hampden County, it is worth more than 88% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 49 Charles St, Ludlow, MA?

The 2026 property tax bill for 49 Charles St, Ludlow, MA was $7,789. The county assessed it at $486,500.

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