Hampden County and Ludlow Town property record for 30 Cady St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,198 sqft · built 1954 |
| Lot Size | 0.232 acres (10,106 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $330,000 (Jun 2026) |
| Tax Bill | $4,428 (2026) |
| Deeds & Mortgages | Jun 2026 Second Mortgage Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12B-03200 B:163 L:0 |
| Primary APN | M:12B-03200 B:163 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,198 sqft Living Area |
| Gross Area | 3,754 sqft |
| Basement Area | 752 sqft |
| Unfinished Basement | 752 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,106 sqft (0.232 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1259 |
|---|---|
| Street Address | 30 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2245 |
| 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 | 2006 |
| Census Tract | 810412 |
30 Cady St is owned and occupied by two individuals who bought it in June 2026.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 30 CADY ST, LUDLOW, MA 01056-2245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Jun 29, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Prior Sale | Feb 7, 2006 · Amount on File |
| Deed Document Number | 202629821 |
| Deed Book / Page | 26394 / 313 |
| Prior Transfer Date | Jun 17, 2026 |
| Prior Transfer Doc | 0000029821 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 29, 2026 |
| Property Address | 30 CADY ST, LUDLOW, MA 01056-2245 |
| Document Number | 0000029823 |
| Book / Page | 26394 / 341 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202629823 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Name | Verified Name |
|---|---|
| Address | 30 CADY ST, LUDLOW, MA 01056-2245 |
| Document Number | 0000029823, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 26394/341 |
| Instrument | 202629823 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Jun 29, 2026 |
| Property Address | 30 CADY ST, LUDLOW, MA 01056-2245 |
| Document Number | 0000029821 |
| Book / Page | 26394 / 313 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202629821 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 30 CADY ST, LUDLOW, MA 01056-2245 |
| Date | Jun 29, 2026 |
|---|
| Name | FAIRWAY INDEPENDENT MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 30 Cady St was $4,428, down 2.9% 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 | $4,428.00 (-2.85%) | $276,600 (+5.29%) Land $93,700 Building $182,900 | $307,154 (+2.97%) |
| 2025 | $4,558.00 (+3.1%) | $262,700 (+7.49%) Land $85,200 Building $177,500 | $298,300 (+16.73%) |
| 2024 | $4,421.00 (+5.49%) | $244,400 (+13.78%) Land $85,200 Building $159,200 | $255,550 |
| 2023 | $4,191.00 | $214,800 Land $78,000 Building $136,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 30 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.
The area around 30 Cady St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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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