40 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 40 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 742 sqft · built 1930
Lot Size	0.184 acres (8,015 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,700 (Sep 2018)
Tax Bill	$3,393 (2026)
Deeds & Mortgages	Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:12B-03200 B:160 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-03200 B:160 L:0`
Alternative APNs	`LUDL M:12B B:3200 P:160` `1257`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	742 sqft Living Area
Gross Area	1,852 sqft
Basement Area	742 sqft
Unfinished Basement	742 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,015 sqft (0.184 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1257
Street Address	40 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

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 CADY ST, LUDLOW, MA 01056-2245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Prior Sale	Dec 21, 2005 · Amount on Record
Deed Book / Page	22359 / 46
Transfer Doc	0022359-46
Record Updated	Oct 29, 2026

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Sep 14, 2018
Property Address	40 CADY ST, LUDLOW, MA 01056-2245
Document Number	22359-46
Book / Page	22359 / 46
Instrument	55243
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	223590048
Date	Sep 14, 2018
Instrument	22359/0048

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 14, 2048

Tax Assessment & Valuation

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	$3,393.00 (+1.22%)	$211,900 (+9.68%) Land $91,900 Building $120,000	$255,910 (+1.88%)
2025	$3,352.00 (+0.75%)	$193,200 (+5.06%) Land $83,500 Building $109,700	$251,180 (+7.61%)
2024	$3,327.00 (+4.43%)	$183,900 (+12.61%) Land $83,500 Building $100,400	$233,415
2023	$3,186.00	$163,300 Land $76,500 Building $86,800

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

Flood

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

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.

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 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