Hampden County and Ludlow Town property record for 23 Cady St, Ludlow, MA 01056
| Property Type | Mixed Use Commercial Office / Residential |
|---|---|
| Details | 3 bd · 4 ba · 2,302 sqft · built 1952 |
| Lot Size | 0.969 acres (42,210 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (May 2020) |
| Tax Bill | $6,172 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage May 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12C-03200 B:114 L:0 |
| Primary APN | M:12C-03200 B:114 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,302 sqft Living Area |
| Gross Area | 7,181 sqft |
| Basement Area | 2,302 sqft |
| Unfinished Basement | 2,302 sqft |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 42,210 sqft (0.969 acres) |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|
| Account Number | 1231 |
|---|---|
| Street Address | 23 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2271 |
| 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 | 2015 |
| Census Tract | 810412 |
23 Cady St, a commercial property, is owned by two individuals who bought it in May 2020.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 23 CADY ST, LUDLOW, MA 01056-2271 |
| 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.
| Date | Document |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) SECRETARY HOUSING URBAN DEVELOPMENT |
| May 22, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Mar 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2020 · Amount on File |
| Deed Sale | May 22, 2020 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 23 CADY ST, LUDLOW, MA 01056-2271 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24203-153 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 24203/153 |
| Instrument | 75674 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 349 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | May 22, 2020 |
| Property Address | 23 CADY ST, LUDLOW, MA 01056-2271 |
| Document Number | 23221-117 |
| Book / Page | 023221 / 000117 |
| Instrument Date | May 18, 2020 |
| Instrument | 25880 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,465.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 52 RIVERS AVE CHICOPEE MA 010134185, CHICOPEE, MA 01013-4185 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 23 CADY ST, LUDLOW, MA 01056-2271 |
| Document Number | 22619-448 |
| Instrument Date | Mar 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 23 CADY ST LUDLOW MA 010562271, LUDLOW, MA 01056-2271 |
| Document Number | 22619-448 |
|---|---|
| Date | Apr 11, 2019 |
| Book Page | 022619/000448 |
| Instrument | 17910 |
| Name | FINANCE AMERICA |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 10, 2049 |
The 2026 property tax bill for 23 Cady St was $6,172, down 8.5% from the year before.
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 | $6,172.00 (-8.45%) | $385,500 (-0.8%) Land $190,500 Building $195,000 | $437,188 (+47.64%) |
| 2025 | $6,742.00 (-1.43%) | $388,600 (+2.78%) Land $173,300 Building $215,300 | $296,115 (-7.59%) |
| 2024 | $6,840.00 (+2.56%) | $378,100 (+10.62%) Land $165,000 Building $213,100 | $320,435 |
| 2023 | $6,669.00 | $341,800 Land $150,000 Building $191,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 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 risk around 23 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 98% of the US · lower than 96% 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 265 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 |
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