31 Libby St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 31 Libby St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,547 sqft · built 1957
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individuals on Record
Last Sale	$105,333 (Jul 1993)
Tax Bill	$4,579 (2025)
Deeds & Mortgages	Nov 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:02C-09150 B:23 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02C-09150 B:23 L:0`
Alternative APNs	`LUDL M:2C B:9150 P:23` `5054`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
Gross Area	3,776 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1966
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	5054
Street Address	31 LIBBY ST
City	LUDLOW
State	MA
Zip	01056-1226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	PLAN 18126-I
Legal Block	9150
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	3
Census Block	3016
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	31 LIBBY ST, LUDLOW, MA 01056-1226
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1993 · Amount on Record
Deed Sale	Jul 1, 1993 · Amount on Record
Deed Document Number	1993105316
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	31 LIBBY ST, LUDLOW, MA 01056-1226
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000235216
Date	Nov 8, 2023
Instrument	235216

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2033

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
2025	$4,579.00 (+4%)	$263,900 (+8.42%) Land $74,300 Building $189,600	$315,495 (+0.73%)
2024	$4,403.00 (+6.66%)	$243,400 (+15.03%) Land $74,300 Building $169,100	$313,215
2023	$4,128.00	$211,600 Land $65,200 Building $146,400

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 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.

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 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Libby St

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