88 Cedar St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 88 Cedar St, Ludlow, MA 01056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1952
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$165,500 (Mar 2017)
Tax Bill	$4,031 (2026)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`M:15D-03500 B:219 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:15D-03500 B:219 L:0`
Alternative APNs	`LUDL M:15D B:3500 P:219` `1373`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	2,300 sqft
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1373
Street Address	88 CEDAR ST
City	LUDLOW
State	MA
Zip	01056-2907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES A
Legal Block	3500
Jurisdiction	LUDLOW MA
Township / Civil Division	LUDLOW
Census Block Group	1
Census Block	1023
Census Tract	810404

Owner

88 Cedar St is owned and occupied by two individuals who bought it in March 2017.

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	2 Individual Names on File
Mailing Address	88 CEDAR ST, LUDLOW, MA 01056-2907
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2017 · Amount on File
Deed Sale	Mar 31, 2017 · Amount on File
Deed Book / Page	21625 / 243
Record Updated	Oct 29, 2026

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Mar 31, 2017
Property Address	88 CEDAR ST, LUDLOW, MA 01056-2907
Document Number	21625-243
Book / Page	21625 / 243
Instrument	17315
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.91
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	216250245
Date	Mar 31, 2017
Instrument	21625/0245

Lender

Name	FREEDOM CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	361 Months
Due	Mar 31, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 88 Cedar St was $4,031, up 0.5% from the year before.

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	$4,031.00 (+0.52%)	$251,800 (+8.96%) Land $79,500 Building $172,300	$295,878 (+2.72%)
2025	$4,010.00 (+4.92%)	$231,100 (+9.37%) Land $72,300 Building $158,800	$288,040 (+6.65%)
2024	$3,822.00 (+6.11%)	$211,300 (+14.46%) Land $72,300 Building $139,000	$270,085
2023	$3,602.00	$184,600 Land $63,400 Building $121,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 88 Cedar St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1996.

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

Wildfire risk around 88 Cedar St is low, with 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 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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