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Single Family ResidenceResidential
$524,908$289 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $347,500 on Oct 29, 2019

45 CARDINAL CIR

LUDLOW, MA 01056
3
Beds
3
Baths
1,816 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.
0.93 ac
Lot SizeThe size of the land the home sits on, from county records.
1981
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.

Valuation

$525K
$498K low$552K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$347,500 · Oct 29, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,678 (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.$479,600 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$109,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$370,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$445,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$487,423

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.28 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
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.1999
Lot (acres)The size of the land the home sits on, from county records.0.93
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
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(3)

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.

H
Ludlow Senior High SchoolC
High · Grades 9–12 · 1.3 mi
M
Paul R Baird Middle SchoolC-
Middle · Grades 6–8 · 1.5 mi
E
East Street Elementary School
Elementary · Grades PK–1 · 1.9 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

45 Cardinal Cir 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.

  • Worth more than 87% of homes in Hampden County
  • Costs more per square foot than 83% of homes in Ludlow 01056
  • Bigger than 65% of homes in Ludlow 01056
  • Has a bigger lot than 81% of homes in Hampden County
  • Newer than 78% of homes in Hampden County

What homes are worth in Ludlow 01056

Each bar is how many homes fall in that price range. The marker is this home.

This home
$237K$722K

This home is worth more than 85% 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.

Estimated value$524,908
CheaperTypical $361,011Pricier

Pricier than 85% of homes nearby

Price per ft²$289
CheaperTypical $248Pricier

Pricier than 83% of homes nearby

Living area1,816 ft²
SmallerTypical 1,532 ft²Bigger

Bigger than 65% of homes nearby

Lot size0.93 ac
SmallerTypical 0.39 acBigger

Bigger than 73% of homes nearby

Year built1981
OlderTypical 1964Newer

Newer than 67% of homes nearby

How 45 Cardinal Cir ranks against every home in each area.
MeasureThis homeLudlow 01056Hampden County
Estimated valuepricier than$524,90885% of homes87% of homes
Price per ft²pricier than$28983% of homes80% of homes
Living areabigger than1,816 ft²65% of homes64% of homes
Lot sizebigger than0.93 ac73% of homes81% of homes
Year builtnewer than198167% of homes78% of homes

About 45 Cardinal Cir

How much is 45 Cardinal Cir, Ludlow, MA worth?

The TopHap Estimate for 45 Cardinal Cir, Ludlow, MA is $524,908 as of Sep 24, 2026. The likely range is $497,885 to $551,931. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 45 Cardinal Cir, Ludlow, MA last sell?

45 Cardinal Cir, Ludlow, MA last sold on Oct 29, 2019 for $347,500, according to the county's recorded deed.

How big is 45 Cardinal Cir, Ludlow, MA?

45 Cardinal Cir, Ludlow, MA has 3 bedrooms, 3 bathrooms, 1,816 square feet of living space and a 0.93-acre lot.

When was 45 Cardinal Cir, Ludlow, MA built?

45 Cardinal Cir, Ludlow, MA was built in 1981, making it 45 years old. It is a split level home. The building has 2 stories.

What schools serve 45 Cardinal Cir, Ludlow, MA?

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

How does 45 Cardinal Cir, Ludlow, MA compare to other homes in Ludlow 01056?

Among the 7,285 homes in Ludlow 01056, it is worth more than 85% of them ($524,908 against a typical $361,011), its price per square foot is higher than 83% of them ($289 against a typical $248), it is bigger than 65% of them (1,816 ft² against a typical 1,532 ft²), its lot is bigger than 73% of them (0.93 ac against a typical 0.39 ac) and it is newer than 67% of them (1981 against a typical 1964). Measured against all of Hampden County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 45 Cardinal Cir, Ludlow, MA?

The 2026 property tax bill for 45 Cardinal Cir, Ludlow, MA was $7,678. The county assessed it at $479,600.

More homes on Cardinal Cir

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Assigned schools

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