Hampden County and Ludlow Town property record for 154 Cedar St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,080 sqft · built 1953 |
| Lot Size | 0.115 acres (5,009 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $176,000 (Oct 2005) |
| Tax Bill | $3,801 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jun 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:15C-03500 B:4 L:0 |
| Primary APN | M:15C-03500 B:4 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,080 sqft Living Area |
| Gross Area | 2,962 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,009 sqft (0.115 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1349 |
|---|---|
| Street Address | 154 CEDAR ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES A |
| Legal Block | 3500 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 810404 |
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 | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 7, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Jun 12, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 6, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
| Jan 7, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 21, 2005 · Amount on Record |
| Deed Sale | Oct 21, 2005 · Amount on Record |
| Prior Sale | Oct 21, 2005 · Amount on Record |
| Deed Book / Page | 15430 / 575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024721-411 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 24721/411 |
| Instrument | 55131 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 023924-266 |
|---|---|
| Date | Jun 7, 2021 |
| Book Page | 23924/266 |
| Instrument | 38651 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2046 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0025899-62 |
|---|---|
| Date | Jun 12, 2025 |
| Book Page | 25899/62 |
| Instrument | 26226 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025642-597 |
|---|---|
| Date | Nov 6, 2024 |
| Book Page | 25642/597 |
| Instrument | 52114 |
| Name | AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 154 CEDAR ST, LUDLOW, MA 01056-2909 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23035-163 |
|---|---|
| Date | Jan 7, 2020 |
| Book Page | 23035/163 |
| Instrument | 865 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $3,801.00 (-2.84%) | $237,400 (+5.28%) Land $77,600 Building $159,800 | $261,624 (-8.84%) |
| 2025 | $3,912.00 (+2.3%) | $225,500 (+6.67%) Land $70,600 Building $154,900 | $286,995 (+6.9%) |
| 2024 | $3,824.00 (+7.3%) | $211,400 (+15.71%) Land $70,500 Building $140,900 | $268,470 |
| 2023 | $3,564.00 | $182,700 Land $61,900 Building $120,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (1996–2011) |
| 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.
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 | None beyond ember reach |
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 278 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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