228 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 228 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,547 sqft · built 1947
Lot Size	1.29 acres (56,541 sqft)
Owner	2 Individual Names on File
Last Sale	$154,900 (Oct 2003)
Tax Bill	$4,736 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Jun 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:01C-03200 B:147 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:01C-03200 B:147 L:0`
Alternative APNs	`LUDL M:1C B:3200 P:147` `1253`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
Gross Area	3,666 sqft
Basement Area	795 sqft
Unfinished Basement	795 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1962
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	56,541 sqft (1.29 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1253
Street Address	228 CADY ST
City	LUDLOW
State	MA
Zip	01056-2254
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Block	3200
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	2
Census Block	2007
Census Tract	810412

Owner

228 Cady St is owned and occupied by two individuals who bought it in October 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	228 CADY ST, LUDLOW, MA 01056-2254
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 26, 2021	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Jun 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2003 · Amount on File
Deed Sale	Oct 6, 2003 · Amount on File
Deed Document Number	200311401
Deed Book / Page	13652 / 581
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	228 CADY ST, LUDLOW, MA 01056-2254
Transaction Type	Mortgage
Record Updated	Sep 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24081-296
Date	Aug 26, 2021
Book Page	24081/296
Instrument	59838

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jun 20, 2017
Property Address	228 CADY ST, LUDLOW, MA 01056-2254
Document Number	21729-291
Book / Page	021729 / 000291
Instrument Date	Jun 19, 2017
Instrument	34131
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 CADY ST LUDLOW MA 010562254, LUDLOW, MA 01056-2254

Tax Assessment & Valuation

The 2026 property tax bill for 228 Cady St was $4,736, down 2.7% 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 (-2.65%)	$295,800 (+5.49%) Land $98,800 Building $197,000	$320,344 (-5.57%)
2025	$4,865.00 (+3.36%)	$280,400 (+7.76%) Land $90,100 Building $190,300	$339,245 (+2.29%)
2024	$4,707.00 (+6.37%)	$260,200 (+14.73%) Land $90,100 Building $170,100	$331,645
2023	$4,425.00	$226,800 Land $79,100 Building $147,700

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

Flood

FEMA maps place 228 Cady St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 228 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

Nearby Properties on Cady St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures