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Duplex (2 Units, Any Combination)Residential
Last sold for $230,000 on Mar 26, 2019

120 CADY ST

LUDLOW, MA 01056
4
Beds
2
Baths
2,222 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
5.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1954
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$230,000 · Mar 26, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,621 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$351,100 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$140,800
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$210,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$318,200
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$331,978

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.20
53
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
36
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.16 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Duplex (2 Units, Any Combination)
StyleThe architectural style of the home, such as ranch or colonial.Duplex Single
CountyHAMPDEN
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1958
Lot (acres)The size of the land the home sits on, from county records.5.50
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
East Street Elementary School
Elementary · Grades PK–1 · 1.8 mi
H
Ludlow Senior High SchoolC
High · Grades 9–12 · 1.8 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 2.1 mi

District: Ludlow School District

Neighborhood · ZIP 01056These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.57
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.97
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.54

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.96%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.20,664
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.738 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$79,317
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$102,106
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

120 Cady St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Bigger than 82% of homes in Ludlow 01056
  • Has a bigger lot than 95% of homes in Hampden County
  • Older than 71% of homes in Ludlow 01056

How it measures up in Ludlow 01056

The dot is this home. The mark in the middle is the typical home in Ludlow 01056.

Living area2,222 ft²
SmallerTypical 1,530 ft²Bigger

Bigger than 82% of homes nearby

Lot size5.5 ac
SmallerTypical 0.4 acBigger

Bigger than 94% of homes nearby

Year built1954
OlderTypical 1964Newer

Newer than 29% of homes nearby

How 120 Cady St ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Living areabigger than2,222 ft²82% of homes78% of homes
Lot sizebigger than5.5 ac94% of homes95% of homes
Year builtnewer than195429% of homes46% of homes

About 120 Cady St

When did 120 Cady St, Ludlow, MA last sell?

120 Cady St, Ludlow, MA last sold on Mar 26, 2019 for $230,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 120 Cady St, Ludlow, MA?

120 Cady St, Ludlow, MA has 4 bedrooms, 2 bathrooms, 2,222 square feet of living space and a 5.50-acre lot.

When was 120 Cady St, Ludlow, MA built?

120 Cady St, Ludlow, MA was built in 1954, making it 72 years old. It is a duplex single home. The building has 2 stories.

What schools serve 120 Cady St, Ludlow, MA?

120 Cady St, Ludlow, MA is assigned to East Street Elementary School (elementary); Ludlow Senior High School (high), rated C; Paul R Baird Middle School (middle), rated C-. All sit in Ludlow School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 120 Cady St, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is bigger than 82% of them (2,222 ft² against a typical 1,530 ft²), its lot is bigger than 94% of them (5.5 ac against a typical 0.4 ac) and it is newer than 29% of them (1954 against a typical 1964). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 120 Cady St, Ludlow, MA?

The 2026 property tax bill for 120 Cady St, Ludlow, MA was $5,621. The county assessed it at $351,100.

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