Hampden County and Ludlow Town property record for 61 Cady St, Ludlow, MA 01056
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,440 sqft · built 1958 |
| Lot Size | 0.785 acres (34,195 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Aug 2020) |
| Tax Bill | $3,982 (2026) |
| Deeds & Mortgages | Nov 2022 Refinance Aug 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | M:12B-03200 B:184 L:0 |
| Primary APN | M:12B-03200 B:184 L:0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| Gross Area | 2,316 sqft |
| Basement Area | 720 sqft |
| Unfinished Basement | 720 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 34,195 sqft (0.785 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1265 |
|---|---|
| Street Address | 61 CADY ST |
| City | LUDLOW |
| State | MA |
| Zip | 01056-2248 |
| 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 |
61 Cady St is owned and occupied by an individual who bought it in August 2020.
Source: Hampden County and Ludlow Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 61 CADY ST, LUDLOW, MA 01056-2248 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Nov 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Aug 21, 2020 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2020 · Amount on File |
| Deed Sale | Aug 21, 2020 · Amount on File |
| Prior Transfer Date | Jun 5, 2020 |
| Prior Transfer Doc | 23377-264 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LUDLOW MA |
| Property Address | 61 CADY ST, LUDLOW, MA 01056-2248 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024793-235 |
|---|---|
| Date | Nov 4, 2022 |
| Book Page | 24793/235 |
| Instrument | 65635 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LUDLOW MA |
| Recording Date | Aug 21, 2020 |
| Property Address | 61 CADY ST, LUDLOW, MA 01056-2248 |
| Document Number | 23377-264 |
| Book / Page | 23377 / 264 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 46348 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| 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 |
|---|---|
| Address | 61 CADY ST, LUDLOW, MA 01056-2248 |
| Document Number | 46349 |
|---|---|
| Date | Aug 21, 2020 |
| Instrument | 46349 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 61 Cady St was $3,982, up 1.7% 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 | $3,982.00 (+1.74%) | $248,700 (+10.24%) Land $112,800 Building $135,900 | $296,633 (-6.82%) |
| 2025 | $3,914.00 (+2.65%) | $225,600 (+7.02%) Land $104,500 Building $121,100 | $318,345 (+31.72%) |
| 2024 | $3,813.00 (+3.31%) | $210,800 (+11.42%) Land $104,300 Building $106,500 | $241,680 |
| 2023 | $3,691.00 | $189,200 Land $95,500 Building $93,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 61 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.
Wildfire risk around 61 Cady St is low, with less than a 0.01% annual chance of wildfire.
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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