Hampden County and Springfield City property record for 11 Penrose St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 975 sqft · built 1926 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $159,900 (Mar 2020) |
| Tax Bill | $3,768 (2026) |
| Deeds & Mortgages | Apr 2022 Refinance Dec 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:09640 P:0073 |
| Primary APN | SPRI S:09640 P:0073 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 975 sqft Living Area |
| 1st Floor Area | 975 sqft |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,001 sqft (0.115 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Gas |
| Account Number | 96400073 |
|---|---|
| Street Address | 11 PENROSE ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 801501 |
11 Penrose St is owned and occupied by an individual who bought it in March 2020.
Source: Hampden County and Springfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 PENROSE ST, SPRINGFIELD, MA 01109-1830 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 12, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MV OF MA LLC |
| Dec 12, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 19, 2020 | Quit Claim Deed, Transfer · FHA Mortgage ACADEMY MORTGAGE CORP |
| Oct 2, 2018 | Foreclosure JAY N MICHELMAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2020 · Amount on File |
| Deed Sale | Mar 19, 2020 · Amount on File |
| Prior Sale | Mar 11, 2019 · Amount on File |
| Deed Document Number | 202014819 |
| Deed Book / Page | 23134 / 229 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 11 PENROSE ST, SPRINGFIELD, MA 01109-1830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 024497-116 |
|---|---|
| Date | Apr 12, 2022 |
| Book Page | 24497/116 |
| Instrument | 22320 |
| Name | MV OF MA LLC |
|---|
| Type | Stand-Alone Refinance |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 11 PENROSE ST, SPRINGFIELD, MA 01109-1830 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 025257-237 |
|---|---|
| Date | Dec 12, 2023 |
| Book Page | 25257/237 |
| Instrument | 58808 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 325 Months |
| Due | Jan 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Mar 19, 2020 |
| Property Address | 11 PENROSE ST, SPRINGFIELD, MA 01109-1830 |
| Document Number | 23134-229 |
| Book / Page | 23134 / 229 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 14819 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 466 SOUTH ST, HOLYOKE, MA 01040-3628 |
| Investor | Possibly a Property Investor |
| Document Number | 14820 |
|---|---|
| Date | Mar 19, 2020 |
| Instrument | 14820 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Oct 2, 2018 |
| Property Address | 11 PENROSE ST, SPRINGFIELD, MA 01109-1830 |
| Document Number | 22385-504 |
| Book / Page | 022385 / 000504 |
| Instrument Date | Sep 5, 2018 |
| Instrument | 59170 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 23, 2018 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.85 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 346 RACE ST HOLYOKE MA 010405613, HOLYOKE, MA 01040-5613 |
| Investor | Possibly a Property Investor |
| Document Number | 22385-507 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 022385/000507 |
| Instrument | 59171 |
| Name | JAY N MICHELMAN |
|---|
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 11 Penrose St was $3,768, up 13.8% from the year before.
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,768.00 (+13.84%) | $243,700 (+15.44%) Land $43,000 Building $200,700 | $258,367 (+5.01%) |
| 2025 | $3,310.00 | $211,100 Land $39,000 Building $172,100 | $246,050 (+7.47%) |
| 2024 | $228,950 | ||
| 2023 | $2,771.00 | $162,500 Land $29,500 Building $133,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Penrose St in Zone X, an area of minimal flood risk.
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.
The area around 11 Penrose St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 602 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
| AT&T Fixed Wireless | 100 / 20 |
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