66 Cedar St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 66 Cedar St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,055 sqft · built 2000
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,000 (Apr 2001)
Tax Bill	$6,611 (2026)
Deeds & Mortgages	May 2020 Refinance Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15D-03500 B:218B L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15D-03500 B:218B L:0`
Alternative APNs	`LUDL M:15D B:3500 P:218B` `1372`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,055 sqft Living Area
Gross Area	3,735 sqft
Basement Area	975 sqft
Unfinished Basement	975 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,009 sqft (0.115 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1372
Street Address	66 CEDAR ST
City	LUDLOW
State	MA
Zip	01056-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
Census Tract	810404

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	66 CEDAR ST, LUDLOW, MA 01056-2907
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance HOLYOKE CU
Feb 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOLYOKE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2001 · Amount on Record
Deed Sale	Apr 6, 2001 · Amount on Record
Deed Book / Page	11579 / 59
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	66 CEDAR ST, LUDLOW, MA 01056-2907
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23204-76
Date	May 11, 2020
Book Page	23204/76
Instrument	23694

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2035

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LUDLOW MA
Property Address	66 CEDAR ST, LUDLOW, MA 01056-2907
Document Number	22565-445
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Mar 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	66 CEDAR ST LUDLOW MA 010562907, LUDLOW, MA 01056-2907

Mortgage

Document Number	22565-445
Date	Feb 26, 2019
Book Page	022565/000445
Instrument	9627

Lender

Name	HOLYOKE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 25, 2029

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	$6,611.00 (+2.24%)	$412,900 (+10.79%) Land $77,600 Building $335,300	$357,471 (-4.52%)
2025	$6,466.00 (+4.7%)	$372,700 (+9.17%) Land $70,600 Building $302,100	$374,395 (+3.87%)
2024	$6,176.00 (+2.88%)	$341,400 (+10.95%) Land $70,500 Building $270,900	$360,430
2023	$6,003.00	$307,700 Land $61,900 Building $245,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (1996–2011)
Most Recent Claim	Mar 2011 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	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.

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 751 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
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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