46 Libby St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 46 Libby St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,212 sqft · built 1960
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,900 (Aug 2018)
Tax Bill	$4,091 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Aug 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`M:02C-09150 B:19 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02C-09150 B:19 L:0`
Alternative APNs	`LUDL M:2C B:9150 P:19` `5048`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,212 sqft Living Area
Gross Area	2,796 sqft
Basement Area	1,212 sqft
Unfinished Basement	1,212 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
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)

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	5048
Street Address	46 LIBBY ST
City	LUDLOW
State	MA
Zip	01056-1225
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	3013
Census Tract	810412

Owner

Source: Hampden County and Ludlow Town records, as of October 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	46 LIBBY ST, LUDLOW, MA 01056-1225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2018	Deed of Trust, Mortgage · ARM LUSO FCU
Aug 9, 2018	Deed of Trust, Mortgage · Line of Credit LUSO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2018 · Amount on Record
Deed Sale	Aug 27, 2018 · Amount on Record
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 LIBBY ST, LUDLOW, MA 01056-1225
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22332-1
Date	Aug 27, 2018
Book Page	22332/1
Instrument	51038

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	5.5%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	46 LIBBY ST, LUDLOW, MA 01056-1225
Document Number	0000215511
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 LIBBY ST LUDLOW MA 010561225, LUDLOW, MA 01056-1225

Mortgage

Document Number	0000215511
Date	Aug 14, 2018
Instrument	215511

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2038

Interest

Rate Type	Adjustable Rate

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
2026	$4,091.00 (+0.69%)	$255,500 (+9.09%) Land $81,800 Building $173,700	$303,222 (+10.71%)
2025	$4,063.00 (+4.85%)	$234,200 (+9.34%) Land $74,300 Building $159,900	$273,885 (-)
2024	$3,875.00 (+6.05%)	$214,200 (+14.36%) Land $74,300 Building $139,900	$273,885
2023	$3,654.00	$187,300 Land $65,200 Building $122,100

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

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