58 Libby St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 58 Libby St, Ludlow, MA 01056 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,860 sqft · built 1987
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Sep 2002)
Tax Bill	$5,561 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Mar 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`M:02C-09150 B:20A L:0`

Property Details

APN / Parcel Number

Primary APN	`M:02C-09150 B:20A L:0`
Alternative APNs	`LUDL M:2C B:9150 P:20A` `5049`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,860 sqft Living Area
Gross Area	2,724 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1991
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	5049
Street Address	58 LIBBY ST
City	LUDLOW
State	MA
Zip	01056-1225
Property Category	Residential
Property Type	Residential > Single Family > Home
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 · APN M:02C-09150 B:20A L:0

Assessment roll updated April 14, 2026 · Last verified July 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 File
Mailing Address	58 LIBBY ST, LUDLOW, MA 01056-1225
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2021	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Mar 02, 2021	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Dec 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Jul 05, 2018	Deed of Trust, Mortgage · Line of Credit NAVY FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 13, 2002 · Amount on Record
Deed Sale	Sep 13, 2002 · Amount on Record
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	58 LIBBY ST, LUDLOW, MA 01056-1225
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000225337
Date	Mar 02, 2021
Instrument	225337

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	445 Months
Due	Apr 01, 2058

Interest

Rate Type	Adjustable Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	58 LIBBY ST, LUDLOW, MA 01056-1225
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	225337
Date	Mar 02, 2021
Instrument	225337

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	445 Months
Due	Apr 01, 2058

Interest

Rate Type	Adjustable Rate

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	58 LIBBY ST, LUDLOW, MA 01056-1225
Document Number	0000224380
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 LIBBY ST LUDLOW MA 010561225, LUDLOW, MA 01056-1225

Mortgage

Document Number	0000224380
Date	Dec 18, 2020
Instrument	224380

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 17, 2035

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	58 LIBBY ST, LUDLOW, MA 01056-1225
Document Number	22317-77
Instrument Date	Jul 05, 2018
Transaction Type	Mortgage
Record Updated	Sep 04, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 LIBBY ST LUDLOW MA 010561225, LUDLOW, MA 01056-1225

Mortgage

Document Number	22317-77
Date	Aug 16, 2018
Book Page	022317/000077
Instrument	48702

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Aug 15, 2058

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hampden County and Ludlow Town records · Assessment roll updated April 14, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,561.00 (+2.56%)	$320,500 (+6.94%) Land $66,400 Building $254,100	$364,420 (+1.11%)
2024	$5,422.00 (+2.92%)	$299,700 (+11%) Land $66,300 Building $233,400	$360,430
2023	$5,268.00	$270,000 Land $58,200 Building $211,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hampden County (25013C), updated June 7, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 58% of Massachusetts
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 216 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
GoNetspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 50

May also be available at this address: Chicopee Municipal Lighting Plant. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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