12 Ladd St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 12 Ladd St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,228 sqft · built 1903
Lot Size	0.087 acres (3,781 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Nov 2022)
Tax Bill	$3,574 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07425 P:0001`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07425 P:0001`
Alternative APN	`74250001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,228 sqft Living Area
1st Floor Area	584 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,781 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	74250001
Street Address	12 LADD ST
City	SPRINGFIELD
State	MA
Zip	01109-3308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3003
Census Tract	801800

Owner

12 Ladd St is owned and occupied by two individuals who bought it in November 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage
Apr 4, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 9, 2022	Quit Claim Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Mar 4, 2022	Quit Claim Deed, Transfer · Stand-Alone First Mortgage QS LENDING T
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Mar 4, 2022 · Amount on File
Deed Document Number	202266415
Deed Book / Page	24798 / 209
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Recording Date	Jun 24, 2026
Property Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Document Number	0000029123
Book / Page	26389 / 13
Instrument Date	May 25, 2026
Instrument	202629123
Transaction Type	Mortgage
Record Updated	Jul 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LADD ST, SPRINGFIELD, MA 01109-3308

Mortgage

Document Number	0000029123,
Date	Jun 24, 2026
Book Page	26389/13
Instrument	202629123

Lender

Agreement

Amount	Amount on Record
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025817-275
Date	Apr 4, 2025
Book Page	25817/275
Instrument	14897

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Nov 9, 2022
Property Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Document Number	024798-209
Book / Page	24798 / 209
Instrument Date	Nov 9, 2022
Instrument	66415
Transaction Type	Transfer
Record Updated	Nov 24, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	101 DIMMICK ST, SPRINGFIELD, MA 01109-2209

Mortgage

Document Number	0000066416
Date	Nov 9, 2022
Instrument	66416

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Mar 4, 2022
Property Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Document Number	024435-444
Book / Page	24435 / 444
Instrument Date	Mar 4, 2022
Instrument	13804
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 BRIGGS ST, SPRINGFIELD, MA 01151-2149

Mortgage

Document Number	0000013805
Date	Mar 4, 2022
Instrument	13805

Lender

Name	QS LENDING T

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Nov 4, 2019
Property Address	12 LADD ST, SPRINGFIELD, MA 01109-3308
Document Number	22936-471
Book / Page	022936 / 000471
Instrument Date	Nov 2, 2019
Instrument	64713
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LADD ST SPRINGFIELD MA 011093308, SPRINGFIELD, MA 01109-3308

Tax Assessment & Valuation

The 2026 property tax bill for 12 Ladd St was $3,574, up % 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	$3,574.00 (+0.03%)	$231,200 (+1.45%) Land $22,800 Building $208,400	$249,754 (-9.31%)
2025	$3,573.00	$227,900 Land $23,600 Building $204,300	$275,405 (+0.03%)
2024			$275,310
2023	$2,295.00	$134,600 Land $21,000 Building $113,600

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

Flood

FEMA maps place 12 Ladd St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 12 Ladd St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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