423 N Main St, Ludlow, MO 64656 Property Records

Livingston County property record for 423 N Main St, Ludlow, MO 64656

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,230 sqft · built 1921
Lot Size	0.507 acres (22,085 sqft)
Owner	Individual Name on Record
Last Sale	$102,802 (Sep 2023)
Tax Bill	$1,100 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`13-05.00-15-3-00-01.02`

Property Details

APN / Parcel Number

Primary APN	`13-05.00-15-3-00-01.02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,230 sqft Living Area
Basement Area	656 sqft
Finished Basement	656 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Asphalt
Lot Area	22,085 sqft (0.507 acres)
Lot Dimensions	181 ft deep x 122 ft wide
Garage Type	Detached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	162 sqft
Deck Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	423 N MAIN ST
City	LUDLOW
State	MO
Zip	64656-8120
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 15 TOWNSHIP 56 RANGE 25 LEGAL P OB IS 528S OF NW COR OF SW14, THENCE N122 E181 S122 W181 TO POB
Legal Range	25
Legal Township	56
Legal Section	15
Legal Subdivision	LUDLOW
Jurisdiction	LIVINGSTON MO
Township / Civil Division	MONROE
Census Block Group	4
Census Block	4054
Census Tract	480200

Owner

Source: Livingston County records, as of May 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	423 N MAIN ST, LUDLOW, MO 64656-8120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2023	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 11, 2017	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2023 · Amount on Record
Deed Sale	Sep 29, 2023 · Amount on Record
Prior Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	20231644
Deed Book / Page	747 / 894
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LIVINGSTON MO
Property Address	423 N MAIN ST, LUDLOW, MO 64656-8120
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 CROSBY DR, HINESVILLE, GA 31313-8214

Mortgage

Document Number	000747/896
Date	Sep 29, 2023
Book Page	747/896
Instrument	20231645

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LIVINGSTON MO
Recording Date	Dec 11, 2017
Property Address	423 N MAIN ST, LUDLOW, MO 64656-8120
Document Number	000686/161
Book / Page	686 / 161
Instrument Date	Dec 8, 2017
Instrument	20172074
Transaction Type	Transfer
Record Updated	Feb 4, 2022
Title Company	LIVINGSTON COUNTY TITLE, LIVINGSTON COUNTY TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 N MAIN ST, LUDLOW, MO 64656-8120

Mortgage

Document Number	0020172075
Date	Dec 11, 2017
Instrument	20172075

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Livingston County assessment roll, as of February 2, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Livingston County
County Subdivision	Monroe Township
Municipality	Ludlow Town
Unified School District	Southwest Livingston County R-I School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,100.00 (+50.27%)	$14,500 (+50.88%) Land $490 Building $14,010	$76,350 (+50.95%) Land $2,590 Building $73,760
2024	$732.00	$9,610 (-) Land $490 Building $9,120
2023		$9,610 Land $490 Building $9,120	$50,580 Land $2,590 Building $47,990

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 20, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2003)
Most Recent Claim	Aug 2003 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 47% of Missouri
Wildfire Likelihood	0.07% 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	LIVINGSTON COUNTY PWSD 1 serves 1,320 people · EPA ID MO2024352
Water Source	Purchased groundwater from several systems
Last State Inspection	Nov 2022
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Green Hills Technologies Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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