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32 Balsam Hill Rd, Ludlow, MA, 01056

5beds
4baths
2,800sqft
$929,900
$332price/sqft
$6,710/moest. monthly cost
$268,400/yrincome needed

About This Home

Brand new construction and a superb location makes this colonial style home a perfect fit for any buyers wants and needs. Located in a sidewalk lined street in 100 Woods this beauty features a good sized living room with fireplace, dining room with tray ceilings and access to a covered deck perfect for extended entertainment, kitchen with tons of cabinets, center island, tray ceilings and stainless appliances any chef at heart would love. The first floor also sports a bedroom and full bath. Wander up the center staircase to the second floor which boasts 4 more bedrooms with 2 of them that could be masters with on suites plus an additional full bath to service the other 2 bedrooms. Energy efficient with gas heat and central air plus a good sized flat yard completes this home. This home also comes with a one year builders warranty.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
4/10
Ludlow Senior High SchoolGrades 9-122.4 mi

Construction

Condition

  • Year built: 2026

Materials

  • Foundation: Concrete Perimeter
  • Roof: Shingle
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Water Heater,Range,Dishwasher,Refrigerator
  • Laundry features: Flooring - Stone/Ceramic Tile,Second Floor

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: First

Bathroom2

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second

Bathroom3

  • Features: Bathroom - Full, Flooring - Stone/Ceramic Tile
  • Level: Second

Bedroom2

  • Features: Closet, Flooring - Wood
  • Level: First

Bedroom3

  • Features: Closet, Flooring - Wood
  • Level: Second

Bedroom4

  • Features: Closet, Flooring - Wood
  • Level: Second

Bedroom5

  • Features: Bathroom - Full, Closet, Flooring - Wood
  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: Flooring - Wood, Deck - Exterior, Open Floorplan, Tray Ceiling(s)
  • Level: First

Features

  • Bathroom - Full,Bathroom
  • Door features: Insulated Doors
  • Window features: Insulated Windows
  • Flooring: Wood,Tile,Flooring - Stone/Ceramic Tile
  • Number of fireplaces: 1
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,800

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,800
  • Total interior livable area: 2,800 sqft

Kitchen

  • Features: Flooring - Wood, Countertops - Stone/Granite/Solid, Kitchen Island, Open Floorplan, Tray Ceiling(s)
  • Level: First

Living Room

  • Features: Flooring - Wood, Open Floorplan
  • Level: First

Master Bathroom

  • Features: Yes

Master Bedroom

  • Features: Bathroom - Full, Walk-In Closet(s), Flooring - Wood, Tray Ceiling(s)
  • Level: Second

Property

Details

  • Zoning: R

Features

  • Patio & porch: Porch,Covered
  • Exterior features: Porch,Covered Patio/Deck

Lot

  • Lot size: 1.02 Acres
  • Features: Corner Lot,Level

Parking

  • Total spaces: 6
  • Parking features: Attached,Paved Drive,Off Street,Paved
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Uncovered spaces: 4

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Hurricane
Inland Flooding
Ice Storm
Winter Weather

FEMA Declared Disasters Across Massachusetts Counties

Hurricane

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,702$56,424
Home Insurance *$364$4,368
Property Taxes $1,092$13,104
Electricity $552$6,625
Total$6,710$80,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$230,057/yr
40% on housing$201,300/yr
45% on housing$178,933/yr

Massachusetts FAIR Plan Programs

Massachusetts Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 213,928Commercial: 230
Total Premiums$400.85M
Total Exposure$115.57B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 7.9%
7.9%
0%15.0%
Property Taxes Growth Rate2-year average: -0.2%
-0.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$332This listing

vs Other Active Listings

Avg $/sqft

ZIP 01056$232
Hampden County$187

vs Homes Sold Last Month

Median $/sqft

ZIP 01056$243
Hampden County$227

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-06Price change$899,900
2026-07-29Price change$929,900
2026-07-20Listed for sale$939,900
2026-07-20Listing removed$939,900
2026-07-16Price change$939,900
2026-06-29Price change$949,900
2026-06-05Listed for sale$965,900

For Sale by Agent

AgentPatricia Joaquim
BrokerageGallagher Real Estate

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