51 Goddu St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 51 Goddu St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,444 sqft · built 1965
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$207,000 (Sep 2018)
Tax Bill	$5,050 (2026)
Deeds & Mortgages	Jan 2022 Refinance Dec 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`M:12A-06150 B:36 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12A-06150 B:36 L:0`
Alternative APNs	`LUDL M:12A B:6150 P:36` `3693`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,444 sqft Living Area
Gross Area	3,879 sqft
Basement Area	1,252 sqft
Unfinished Basement	1,252 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	3693
Street Address	51 GODDU ST
City	LUDLOW
State	MA
Zip	01056-2614
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	6150
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1008
Census Tract	810403

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	51 GODDU ST, LUDLOW, MA 01056-2614
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ENVISION BANK
Dec 8, 2025	Deed of Trust, Mortgage · Line of Credit LUSO FCU
Sep 28, 2018	Quit Claim Deed, Transfer · FHA Mortgage ENVISION BANK
Dec 20, 2017	Quit Claim Deed, Transfer · Line of Credit LAWRENCE M TIBERIO
Dec 20, 2017	Quit Claim Deed, Transfer MARTH E LLC
Apr 10, 2017	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Dec 20, 2017 · Amount on Record
Deed Book / Page	22382 / 105
Transfer Doc	022382-105
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024381-81
Date	Jan 31, 2022
Book Page	24381/81
Instrument	6240

Lender

Name	ENVISION BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026141-110
Date	Dec 8, 2025
Book Page	26141/110
Instrument	58681

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2045

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 28, 2018
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Document Number	22382-105
Book / Page	22382 / 105
Instrument	58650
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.53
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	223820107
Date	Sep 28, 2018
Instrument	22382/0107

Lender

Name	ENVISION BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2048

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 20, 2017
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Document Number	21995-262
Book / Page	021995 / 000262
Instrument Date	Dec 20, 2017
Instrument	75341
Transaction Type	Transfer
Record Updated	Jan 11, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$530.10
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	346 RACE ST HOLYOKE MA 010405613, HOLYOKE, MA 01040-5613
Investor	Possibly a Property Investor

Mortgage

Document Number	21995-264
Date	Dec 20, 2017
Book Page	021995/000264
Instrument	75342

Lender

Name	LAWRENCE M TIBERIO

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Dec 20, 2017
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Document Number	21995-250
Book / Page	021995 / 000250
Instrument Date	Dec 13, 2017
Instrument	75336
Transaction Type	Transfer
Record Updated	Jan 11, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$492.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 PATRICIA CIR SPRINGFIELD MA 011192245, SPRINGFIELD, MA 01119-2245

Mortgage

Document Number	21995-253
Date	Dec 20, 2017
Book Page	021995/000253
Instrument	75337

Lender

Name	MARTH E LLC

Agreement

Amount	Amount Recorded

April 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	LUDLOW MA
Recording Date	Apr 10, 2017
Property Address	51 GODDU ST, LUDLOW, MA 01056-2614
Document Number	21634-462
Book / Page	021634 / 000462
Instrument Date	Mar 27, 2017
Instrument	18801
Transaction Type	Foreclosure
Record Updated	May 2, 2017

Transaction

Amount	Amount Recorded
Tax	$841.00
Amount Accuracy	Confirmed
Additional	Lis Pendens

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493
Investor	Possibly a Property Investor

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	$5,050.00 (+0.82%)	$315,400 (+9.25%) Land $61,900 Building $253,500	$320,051 (-9.12%)
2025	$5,009.00 (+6.06%)	$288,700 (+10.57%) Land $56,200 Building $232,500	$352,165 (+12.74%)
2024	$4,723.00 (+6.64%)	$261,100 (+15.02%) Land $56,200 Building $204,900	$312,360
2023	$4,429.00	$227,000 Land $46,800 Building $180,200

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 88% of Massachusetts
Wildfire Likelihood	Under 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: Spectrum.

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