58 E Akard St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 58 E Akard St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,284 sqft · built 1990
Lot Size	0.708 acres (30,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,000 (Nov 2019)
Tax Bill	$6,577 (2026)
Deeds & Mortgages	May 2026 Second Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:16B-04950 B:81 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:16B-04950 B:81 L:0`
Alternative APNs	`LUDL M:16B B:4950 P:81` `2929`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,284 sqft Living Area
Gross Area	3,385 sqft
Basement Area	1,101 sqft
Unfinished Basement	1,101 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,840 sqft (0.708 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	2929
Street Address	58 E AKARD ST
City	LUDLOW
State	MA
Zip	01056-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	4950
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1011
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	58 E AKARD ST, LUDLOW, MA 01056-2003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUSO FEDERAL CREDIT UNION
Nov 5, 2019	Quit Claim Deed, Transfer · Conventional with PMI MORTGAGE NTWK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 5, 2019 · Amount on Record
Deed Sale	Nov 5, 2019 · Amount on Record
Deed Document Number	201964981
Deed Book / Page	22938 / 414
Prior Transfer Date	Oct 29, 2019
Prior Transfer Doc	22938-414
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Recording Date	May 20, 2026
Property Address	58 E AKARD ST, LUDLOW, MA 01056-2003
Document Number	026338-600
Book / Page	26338 / 600
Instrument Date	May 15, 2026
Instrument	202622430
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 E AKARD ST, LUDLOW, MA 01056-2003

Mortgage

Document Number	0000022430,
Date	May 20, 2026
Book Page	26338/600
Instrument	202622430

Lender

Name	LUSO FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2046

Interest

Rate	6.3%
Max Rate	-1%

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 5, 2019
Property Address	58 E AKARD ST, LUDLOW, MA 01056-2003
Document Number	22938-414
Book / Page	022938 / 000414
Instrument Date	Oct 29, 2019
Instrument	64981
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,357.80
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 EAST ST LUDLOW MA 010563030, LUDLOW, MA 01056-3030

Mortgage

Document Number	22938-416
Date	Nov 5, 2019
Book Page	022938/000416
Instrument	64982

Lender

Name	MORTGAGE NTWK
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

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	$6,577.00 (+1.25%)	$410,800 (+9.72%) Land $107,000 Building $303,800	$417,693 (+1.85%)
2025	$6,496.00 (+1.9%)	$374,400 (+6.24%) Land $97,300 Building $277,100	$410,115 (-0.21%)
2024	$6,375.00 (+5.74%)	$352,400 (+14.05%) Land $97,200 Building $255,200	$410,970
2023	$6,029.00	$309,000 Land $85,300 Building $223,700

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2011 · 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	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 213 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 / 1,000

May also be available: Verizon.

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