118 Gardens Dr, Springfield, MA 01119 Property Records

Hampden County and Springfield City property record for 118 Gardens Dr, Springfield, MA 01119

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,383 sqft · built 1955
Lot Size	0.174 acres (7,562 sqft)
Owner	Individual Name on File
Tax Bill	$4,321 (2026)
Deeds & Mortgages	May 2021 Refinance Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:05500 P:0031`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:05500 P:0031`
Alternative APN	`55000031`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,383 sqft Living Area
1st Floor Area	988 sqft
Game Room	Game Room

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	7,562 sqft (0.174 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Oil

Location & Zoning

Account Number	55000031
Street Address	118 GARDENS DR
City	SPRINGFIELD
State	MA
Zip	01119-2500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2001
Census Tract	801602

Owner

118 Gardens Dr is owned and occupied by an individual.

Source: Hampden County and Springfield City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	118 GARDENS DR, SPRINGFIELD, MA 01119-2500
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.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance EQUITY RESOURCES INC
Jul 31, 2019	Deed of Trust, Mortgage · Conventional with PMI EQUITY RSRCS
Jul 20, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	118 GARDENS DR, SPRINGFIELD, MA 01119-2500
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23905-268
Date	May 26, 2021
Book Page	23905/268
Instrument	36123

Lender

Name	EQUITY RESOURCES INC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	118 GARDENS DR, SPRINGFIELD, MA 01119-2500
Document Number	22783-96
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 GARDENS DR SPRINGFIELD MA 011192500, SPRINGFIELD, MA 01119-2500

Mortgage

Document Number	22783-96
Date	Jul 31, 2019
Book Page	022783/000096
Instrument	42605

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 20, 2017
Property Address	118 GARDENS DR, SPRINGFIELD, MA 01119-2500
Document Number	21772-422
Book / Page	021772 / 000422
Instrument Date	Jul 20, 2017
Instrument	40844
Transaction Type	Transfer
Record Updated	Aug 8, 2017

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	118 GARDENS DR SPRINGFIELD MA 011192500, SPRINGFIELD, MA 01119-2500

Tax Assessment & Valuation

The 2026 property tax bill for 118 Gardens Dr was $4,321, up 10.7% from the year before.

Source: Hampden County and Springfield City assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
Municipality	Springfield City
Unified School District	Springfield School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,321.00 (+10.71%)	$279,500 (+12.29%) Land $51,400 Building $228,100	$306,208 (+0.63%)
2025	$3,903.00	$248,900 Land $51,400 Building $197,500	$304,285 (+2.46%)
2024			$296,970
2023	$3,695.00	$216,700 Land $49,000 Building $167,700

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

Flood

FEMA maps place 118 Gardens Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 118 Gardens Dr 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.

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 496 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

May also be available: T-Mobile.

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