Hampden County and Ludlow Town property record for 16 Cady St, Ludlow, MA 01056
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 2,772 sqft · built 2001 |
| Lot Size | 0.331 acres (14,400 sqft) |
| Owner | Company Name on Record |
| Last Sale | $400,000 (Sep 2023) |
| Tax Bill | $2,214 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12C-03200 B:40 L:0 |
| Primary APN | M:12C-03200 B:40 L:0 |
|---|---|
| Alternative APNs |
|
| Total Rooms | 12 Rooms |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,772 sqft Total Area |
| Gross Area | 5,119 sqft |
| Basement Area | 1,530 sqft |
| Unfinished Basement | 1,530 sqft |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,400 sqft (0.331 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1197 |
|---|---|
| Street Address | 16 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2267 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Mixed Use Commercial Office / Residential |
| Legal Block | 3200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 810412 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 16 CADY ST, LUDLOW, MA 01056-2267 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2023 · Amount on Record |
| Deed Sale | Sep 25, 2023 · Amount on Record |
| Prior Sale | Aug 25, 1994 · Amount on Record |
| Deed Document Number | 202345388 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Sep 25, 2023 |
| Property Address | 16 CADY ST, LUDLOW, MA 01056-2267 |
| Document Number | 025166-509 |
| Book / Page | 25166 / 509 |
| Instrument Date | Sep 25, 2023 |
| Instrument | 45388 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CADY ST, LUDLOW, MA 01056-2267 |
| Document Number | 0000045389 |
|---|---|
| Date | Sep 25, 2023 |
| Instrument | 45389 |
| Name | NEW VALLEY BANK & TRUST |
|---|
| Type | Commercial 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 | $2,214.00 (-66.79%) | $138,285 (-64.01%) Land $48,685 Building $89,600 | $420,080 (-7.86%) |
| 2025 | $6,666.00 (+49.13%) | $384,200 (+55.48%) Land $126,500 Building $257,700 | $455,905 |
| 2024 | $4,470.00 (+0.36%) | $247,100 (+8.23%) Land $119,500 Building $127,600 | |
| 2023 | $4,454.00 | $228,300 Land $108,600 Building $119,700 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 92% of Massachusetts |
|---|---|
| Wildfire Likelihood | Under 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 193 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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