Hampden County and Ludlow Town property record for 46 Cady St, Ludlow, MA 01056
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,544 sqft · built 1994 |
| Lot Size | 0.315 acres (13,721 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $339,900 (Nov 2006) |
| Tax Bill | $8,292 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12C-03200 B:55C L:0 |
| Primary APN | M:12C-03200 B:55C L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 10 Rooms |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| Gross Area | 6,879 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,721 sqft (0.315 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1203 |
|---|---|
| Street Address | 46 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 3200 |
| Jurisdiction | LUDLOW MA |
| Township / Civil Division | LUDLOW |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 810412 |
Source: Hampden County and Ludlow Town records, as of April 14, 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 | 4 CADY ST, 6, LUDLOW, MA 01056-2243 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2006 · Amount on Record |
| Deed Sale | Nov 17, 2006 · Amount on Record |
| Prior Sale | Sep 22, 1995 · Amount on Record |
| Record Updated | Jun 8, 2026 |
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 |
|---|---|---|
| 2025 | $8,292.00 (+4.7%) | $477,900 (+9.16%) Land $88,200 Building $389,700 |
| 2024 | $7,920.00 (-1.32%) | $437,800 (+6.42%) Land $88,000 Building $349,800 |
| 2023 | $8,026.00 | $411,400 Land $80,600 Building $330,800 |
Assessed value is set for property tax purposes and is not a market price estimate.
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 96% of the US · lower than 92% 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 193 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 |
May also be available: Verizon.
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