185 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 185 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 784 sqft · built 1950
Lot Size	0.156 acres (6,795 sqft)
Owner	2 Individual Names on Record
Last Sale	$87,000 (Dec 1988)
Tax Bill	$3,546 (2026)
Deeds & Mortgages	Mar 2022 Refinance Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:01C-03200 B:73 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:01C-03200 B:73 L:0`
Alternative APNs	`LUDL M:1C B:3200 P:73` `1207`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	784 sqft Living Area
Gross Area	1,785 sqft
Basement Area	784 sqft
Unfinished Basement	784 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1964
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,795 sqft (0.156 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1207
Street Address	185 CADY ST
City	LUDLOW
State	MA
Zip	01056-2253
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	3200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2016
Census Tract	810412

Owner

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	185 CADY ST, LUDLOW, MA 01056-2253
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance PIONEER VALLY PLANNING
Oct 31, 2019	Deed of Trust, Mortgage · Balloon Mortgage TD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 1988 · Amount on Record
Deed Sale	Dec 16, 1988 · Amount on Record
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	185 CADY ST, LUDLOW, MA 01056-2253
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024473-504
Date	Mar 29, 2022
Book Page	24473/504
Instrument	19102

Lender

Name	PIONEER VALLY PLANNING

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	601 Months
Due	Apr 1, 2072

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	185 CADY ST, LUDLOW, MA 01056-2253
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22929-86
Date	Oct 31, 2019
Book Page	22929/86
Instrument	63724

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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	$3,546.00 (+0.4%)	$221,500 (+8.79%) Land $79,000 Building $142,500	$255,161 (-1.9%)
2025	$3,532.00 (+3.37%)	$203,600 (+7.78%) Land $71,800 Building $131,800	$260,110 (+2.78%)
2024	$3,417.00 (+6.78%)	$188,900 (+15.18%) Land $71,800 Building $117,100	$253,080
2023	$3,200.00	$164,000 Land $63,000 Building $101,000

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% 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 234 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

Cell Coverage

5G (outdoors only) and 4G LTE

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