93 Cady St, Ludlow, MA 01056 Property Records

Hampden County and Ludlow Town property record for 93 Cady St, Ludlow, MA 01056

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 2,173 sqft · built 1954
Lot Size	5.5 acres (239,580 sqft)
Owner	2 Company Names on Record
Tax Bill	$6,340 (2026)
Deeds & Mortgages	Jan 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`M:12B-03200 B:186 L:0`

Property Details

APN / Parcel Number

Primary APN	`M:12B-03200 B:186 L:0`
Alternative APNs	`LUDL M:12B B:3200 P:186` `1268`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,173 sqft Living Area
Gross Area	3,770 sqft
Basement Area	1,297 sqft
Unfinished Basement	1,297 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	239,580 sqft (5.5 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	1268
Street Address	93 CADY ST
City	LUDLOW
State	MA
Zip	01056-2248
Property Category	Residential
Property Type	Residential > Single Family > Rural 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

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 Company Names on Record
Mailing Address	93 CADY ST, LUDLOW, MA 01056-2248
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LUDLOW MA
Recording Date	Jan 3, 2018
Property Address	93 CADY ST, LUDLOW, MA 01056-2248
Document Number	22013-405
Book / Page	022013 / 000405
Instrument Date	Nov 20, 2017
Instrument	319
Transaction Type	Transfer
Record Updated	Jan 23, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	93 CADY ST LUDLOW MA 010562248, LUDLOW, MA 01056-2248

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	$6,340.00 (+1.28%)	$396,000 (+9.75%) Land $123,000 Building $273,000	$359,915 (-13.38%)
2025	$6,260.00 (+2.86%)	$360,830 Land $112,930 Building $247,900	$415,530 (+20.53%)
2024	$6,086.00 (+1.84%)		$344,755
2023	$5,976.00

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

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 94% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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