232 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 232 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,819 sqft · built 1963
Lot Size	0.424 acres (18,469 sqft)
Owner	2 Individual Names on File
Last Sale	$422,000 (Nov 2025)
Tax Bill	$5,695 (2026)
Deeds & Mortgages	Jul 2024 Refinance Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:01C-03200 B:148 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:01C-03200 B:148 L:0`
Alternative APNs	`LUDL M:1C B:3200 P:148` `1254`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,819 sqft Living Area
Gross Area	3,716 sqft
Basement Area	1,078 sqft
Unfinished Basement	1,078 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1976
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,469 sqft (0.424 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	1254
Street Address	232 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

232 Cady St is owned by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	125 FRANKLIN ST, WORCESTER, MA 01608-1463
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 17, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance LUSO FCU
Nov 21, 2025	Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Jun 18, 2013
Deed Document Number	202556069
Deed Book / Page	26120 / 529
Record Updated	Oct 29, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	232 CADY ST, LUDLOW, MA 01056-2254
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025494-274
Date	Jul 17, 2024
Book Page	25494/274
Instrument	31631

Lender

Name	LUSO FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2044

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Nov 21, 2025
Property Address	232 CADY ST, LUDLOW, MA 01056-2254
Document Number	026120-529
Book / Page	26120 / 529
Instrument Date	Nov 21, 2025
Instrument	56069
Transaction Type	Transfer
Record Updated	Dec 17, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	125 FRANKLIN ST, WORCESTER, MA 01608-1463

Mortgage

Document Number	0000056070
Date	Nov 21, 2025
Instrument	56070

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 232 Cady St was $5,695, 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	$5,695.00 (-2.75%)	$355,700 (+5.39%) Land $87,900 Building $267,800	$408,823 (+11.06%)
2025	$5,856.00 (+3.79%)	$337,500 (+8.21%) Land $79,900 Building $257,600	$368,125 (-3.49%)
2024	$5,642.00 (+4.89%)	$311,900 (+13.13%) Land $79,900 Building $232,000	$381,425
2023	$5,379.00	$275,700 Land $70,100 Building $205,600

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

Flood

FEMA maps place 232 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 232 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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