Hampden County and Ludlow Town property record for 54 Cady St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,326 sqft · built 1950 |
| Lot Size | 0.227 acres (9,888 sqft) |
| Owner | Company Name on File |
| Last Sale | $345,000 (Mar 2025) |
| Tax Bill | $4,653 (2025) |
| Deeds & Mortgages | Feb 2024 Sale Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12B-03200 B:122 L:0 |
| Primary APN | M:12B-03200 B:122 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,326 sqft Living Area |
| Gross Area | 3,039 sqft |
| Basement Area | 884 sqft |
| Unfinished Basement | 884 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,888 sqft (0.227 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1238 |
|---|---|
| Street Address | 54 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2247 |
| 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 |
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 | Company Name on File |
|---|---|
| Mailing Address | 114 WILSON ST, LUDLOW, MA 01056-2320 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Feb 13, 2024 | Quit Claim Deed, Transfer |
| Feb 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ARRHA CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 17, 2025 · Amount on File |
| Deed Sale | Mar 17, 2025 · Amount on File |
| Prior Sale | Feb 13, 2024 · Amount on File |
| Prior Transfer Date | Mar 13, 2025 |
| Prior Transfer Doc | 0025794-69 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Feb 13, 2024 |
| Property Address | 54 CADY ST, LUDLOW, MA 01056-2247 |
| Document Number | 0025319-27 |
| Book / Page | 25319 / 27 |
| Instrument Date | Feb 8, 2024 |
| Instrument | 6204 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 30 JUDY LN, E LONGMEADOW, MA 01028-1271 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 54 CADY ST, LUDLOW, MA 01056-2247 |
| Document Number | 22579-269 |
| Instrument Date | Feb 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 54 CADY ST LUDLOW MA 010562247, LUDLOW, MA 01056-2247 |
| Document Number | 22579-269 |
|---|---|
| Date | Mar 8, 2019 |
| Book Page | 022579/000269 |
| Instrument | 11662 |
| Name | ARRHA CU |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 7, 2029 |
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 | $94,600 (-64.73%) Land $93,500 Building $1,100 | ||
| 2025 | $4,653.00 (+2.87%) | $268,200 (+7.28%) Land $85,000 Building $183,200 | $325,470 (+9.42%) |
| 2024 | $4,523.00 (+5.48%) | $250,000 (+13.74%) Land $85,000 Building $165,000 | $297,445 |
| 2023 | $4,288.00 | $219,800 Land $77,800 Building $142,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 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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