18 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 18 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,710 sqft · built 1922
Lot Size	0.118 acres (5,140 sqft)
Owner	2 Individual Names on File
Last Sale	$29,000 (Dec 1976)
Tax Bill	$4,736 (2026)
Deeds & Mortgages	Jan 2018 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12C-03200 B:39 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12C-03200 B:39 L:0`
Alternative APNs	`LUDL M:12C B:3200 P:39` `1196`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,710 sqft Living Area
Gross Area	2,700 sqft
Basement Area	750 sqft
Unfinished Basement	750 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1964
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,140 sqft (0.118 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	1196
Street Address	18 CADY ST
City	LUDLOW
State	MA
Zip	01056-2267
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	LAUREL PARK
Legal Block	3200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2022
Census Tract	810412

Owner

18 Cady St is owned and occupied by two individuals who bought it in December 1976.

Source: Hampden County and Ludlow Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	18 CADY ST, LUDLOW, MA 01056-2267
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Sep 3, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 1976 · Amount on File
Deed Sale	Dec 15, 1976 · Amount on File
Deed Book / Page	4362 / 225
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	18 CADY ST, LUDLOW, MA 01056-2267
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22018-126
Date	Jan 8, 2018
Book Page	22018/126
Instrument	1034

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	18 CADY ST, LUDLOW, MA 01056-2267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23402-131
Date	Sep 3, 2020
Book Page	23402/131
Instrument	49487

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 18 Cady St was $4,736, up 1.8% from the year before.

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	$4,736.00 (+1.81%)	$295,800 (+10.33%) Land $89,400 Building $206,400	$299,817 (-17.92%)
2025	$4,652.00 (+3.35%)	$268,100 (+7.76%) Land $81,200 Building $186,900	$365,275 (+1.85%)
2024	$4,501.00 (+2.81%)	$248,800 (+10.87%) Land $81,200 Building $167,600	$358,625
2023	$4,378.00	$224,400 Land $74,400 Building $150,000

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

Flood

FEMA maps place 18 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

Wildfire risk around 18 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 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.

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 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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