Hampden County and Ludlow Town property record for 21 Libby St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,210 sqft · built 1958 |
| Lot Size | 0.241 acres (10,498 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $279,000 (Jan 2024) |
| Tax Bill | $4,096 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:02C-09150 B:24 L:0 |
| Primary APN | M:02C-09150 B:24 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,210 sqft Living Area |
| Gross Area | 2,656 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,498 sqft (0.241 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 5055 |
|---|---|
| Street Address | 21 LIBBY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-1226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 9150 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 810412 |
Source: Hampden County and Ludlow Town records, as of July 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 | 28 BELL ST, CHICOPEE, MA 01013-3002 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2024 · Amount on Record |
| Deed Sale | Jan 3, 2024 · Amount on Record |
| Prior Sale | Mar 13, 1973 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jan 3, 2024 |
| Property Address | 21 LIBBY ST, LUDLOW, MA 01056-1226 |
| Document Number | 0000235609 |
| Instrument Date | Dec 29, 2023 |
| Instrument | 235609 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 28 BELL ST, CHICOPEE, MA 01013-3002 |
| Document Number | 0000235610 |
|---|---|
| Date | Jan 3, 2024 |
| Instrument | 235610 |
| Name | MID-ISLAND MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,096.00 (+4.86%) | $236,100 (+9.36%) Land $74,300 Building $161,800 | $292,980 |
| 2024 | $3,906.00 (+6.14%) | $215,900 (+14.48%) Land $74,300 Building $141,600 | |
| 2023 | $3,680.00 | $188,600 Land $65,200 Building $123,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 216 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 / 50 |
May also be available: Crossroads Fiber.
5G (outdoors only) and 4G LTE
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