Hampden County and Ludlow Town property record for 45 Cady St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,602 sqft · built 1949 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,000 (Oct 2013) |
| Tax Bill | $4,915 (2026) |
| Deeds & Mortgages | May 2022 Line of Credit Mar 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12B-03200 B:174 L:0 |
| Primary APN | M:12B-03200 B:174 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,602 sqft Living Area |
| Gross Area | 3,462 sqft |
| Basement Area | 900 sqft |
| Unfinished Basement | 900 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,797 sqft (0.179 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1264 |
|---|---|
| Street Address | 45 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2246 |
| 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 | 2015 |
| Census Tract | 810412 |
Source: Hampden County and Ludlow Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 CADY ST, LUDLOW, MA 01056-2246 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Mar 12, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK/RI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 29, 2013 · Amount on Record |
| Deed Sale | Oct 29, 2013 · Amount on Record |
| Deed Book / Page | 20076 / 216 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 45 CADY ST, LUDLOW, MA 01056-2246 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024564-326 |
|---|---|
| Date | May 26, 2022 |
| Book Page | 24564/326 |
| Instrument | 31970 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 1, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 45 CADY ST, LUDLOW, MA 01056-2246 |
| Document Number | 23152-431 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 CADY ST LUDLOW MA 010562246, LUDLOW, MA 01056-2246 |
| Document Number | 23152-431 |
|---|---|
| Date | Apr 1, 2020 |
| Book Page | 023152/000431 |
| Instrument | 17053 |
| Name | CITIZENS BK/RI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 31, 2045 |
| Rate Type | Adjustable Rate |
|---|
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 | $4,915.00 (-2.79%) | $307,000 (+5.35%) Land $91,700 Building $215,300 | $315,555 (-9.66%) |
| 2025 | $5,056.00 (+3.59%) | $291,400 (+8.01%) Land $83,300 Building $208,100 | $349,315 (+11.59%) |
| 2024 | $4,881.00 (+4.68%) | $269,800 (+12.89%) Land $83,300 Building $186,500 | $313,025 |
| 2023 | $4,663.00 | $239,000 Land $76,300 Building $162,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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