211 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 211 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,620 sqft · built 1952
Lot Size	0.347 acres (15,115 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jul 2013)
Tax Bill	$4,843 (2026)
Deeds & Mortgages	Aug 2024 Line of Credit Feb 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`M:01C-03200 B:43 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:01C-03200 B:43 L:0`
Alternative APNs	`LUDL M:1C B:3200 P:43` `1200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,620 sqft Living Area
Gross Area	3,921 sqft
Basement Area	864 sqft
Unfinished Basement	864 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1966
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,115 sqft (0.347 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1200
Street Address	211 CADY ST
City	LUDLOW
State	MA
Zip	01056-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Subdivision	FAIRVIEW HEIGHTS
Legal Block	3200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2015
Census Tract	810412

Owner

211 Cady St is owned and occupied by two individuals who acquired it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	211 CADY ST, LUDLOW, MA 01056-2256
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
Aug 2, 2024	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Feb 4, 2025	Deed of Trust, Mortgage · Line of Credit UMASS/FIVE COLLEGE FEDERAL CREDIT UNION
Sep 10, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2013 · Amount on File
Deed Sale	Jul 24, 2013 · Amount on File
Prior Sale	Aug 20, 2012 · Amount on File
Deed Book / Page	19936 / 210
Last Transfer Date	Sep 9, 2021
Transfer Doc	24112-151
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	211 CADY ST, LUDLOW, MA 01056-2256
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025518-140
Date	Aug 2, 2024
Book Page	25518/140
Instrument	34982

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Sep 1, 2029

Interest

Rate Type	Adjustable Rate

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	211 CADY ST, LUDLOW, MA 01056-2256
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025749-139
Date	Feb 4, 2025
Book Page	25749/139
Instrument	5293

Lender

Name	UMASS/FIVE COLLEGE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 10, 2021
Property Address	211 CADY ST, LUDLOW, MA 01056-2256
Document Number	24112-151
Book / Page	24112 / 151
Instrument Date	Sep 9, 2021
Instrument	63687
Transaction Type	Transfer
Record Updated	Sep 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	211 CADY ST, LUDLOW, MA 01056-2256

Tax Assessment & Valuation

The 2026 property tax bill for 211 Cady St was $4,843, down 2.8% 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	$4,843.00 (-2.77%)	$302,500 (+5.36%) Land $85,500 Building $217,000	$323,938 (-13.74%)
2025	$4,981.00 (+3.6%)	$287,100 (+8.01%) Land $77,700 Building $209,400	$375,535 (+2.28%)
2024	$4,808.00 (+6.44%)	$265,800 (+14.82%) Land $77,500 Building $188,300	$367,175
2023	$4,517.00	$231,500 Land $68,000 Building $163,500

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

Flood

FEMA maps place 211 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 211 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 93% of the US · lower than 83% 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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