Hampden County and Ludlow Town property record for 131 Cady St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,704 sqft · built 1999 |
| Lot Size | 0.792 acres (34,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Jun 1998) |
| Tax Bill | $8,051 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12B-03200 B:187B L:0 |
| Primary APN | M:12B-03200 B:187B L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,704 sqft Living Area |
| Gross Area | 5,472 sqft |
| Basement Area | 1,184 sqft |
| Unfinished Basement | 1,184 sqft |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 34,500 sqft (0.792 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1271 |
|---|---|
| Street Address | 131 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 3200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 810412 |
131 Cady St is owned and occupied by two individuals who bought it in June 1998.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 131 CADY ST, LUDLOW, MA 01056-2268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 1998 · Amount on File |
| Deed Sale | Jun 23, 1998 · Amount on File |
| Deed Book / Page | 10336 / 54 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 131 Cady St was $8,051, up 2.2% from the year before.
Source: Hampden County and Ludlow Town assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| County Subdivision | Ludlow Town |
| Unified School District | Ludlow School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,051.00 (+2.23%) | $502,900 (+10.8%) Land $115,200 Building $387,700 | $521,876 |
| 2025 | $7,875.00 (-0.52%) | $453,900 (+3.72%) Land $104,700 Building $349,200 | |
| 2024 | $7,916.00 (+0.73%) | $437,600 (+8.64%) Land $104,600 Building $333,000 | |
| 2023 | $7,859.00 | $402,800 Land $95,800 Building $307,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 131 Cady St in Zone X, an area of minimal flood risk.
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 risk around 131 Cady St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 265 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 |
| Verizon Fixed Wireless | 300 / 20 |
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