Hampden County and Springfield City property record for 123 Bay St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,589 sqft · built 1907 |
| Lot Size | 0.09 acres (3,925 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $305,000 (May 2026) |
| Tax Bill | $976 (2026) |
| Deeds & Mortgages | May 2026 Mortgage May 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:01085 P:0430 |
| Primary APN | SPRI S:01085 P:0430 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,589 sqft Living Area |
| 1st Floor Area | 540 sqft |
| Basement Area | 348 sqft |
| Unfinished Basement | 324 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,925 sqft (0.09 acres) |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 10850430 |
|---|---|
| Street Address | 123 BAY ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-3913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 801300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the McKnight District listed 1976 · 393 contributing resources · NRIS 76000255 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Hampden County and Springfield City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Also Known As (AKA) |
| Date | Document |
|---|---|
| May 5, 2026 | Deed of Trust, Mortgage MASSACHUSETTS HSNG PARTNER FUN |
| May 5, 2026 | Deed of Trust, Mortgage MASSACHUSETTS HSNG PARTNER FUN |
| May 5, 2026 | Deed of Trust, Mortgage SPRINGFIELD CITY (OH) |
| May 5, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage CITIZENS BANK |
| May 30, 2025 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 5, 2026 · Amount on Record |
| Deed Sale | May 5, 2026 · Amount on Record |
| Prior Sale | May 30, 2025 · Amount on Record |
| Deed Document Number | 202619833 |
| Deed Book / Page | 26320 / 115 |
| Prior Transfer Date | May 29, 2025 |
| Prior Transfer Doc | 025881-309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | May 5, 2026 |
| Property Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 0000019835 |
| Book / Page | 26320 / 140 |
| Instrument Date | May 4, 2026 |
| Instrument | 202619835 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 026320-140, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 26320/140 |
| Instrument | 202619835 |
| Name | MASSACHUSETTS HSNG PARTNER FUN |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | May 5, 2026 |
| Property Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 0000019837 |
| Book / Page | 26320 / 155 |
| Instrument Date | May 4, 2026 |
| Instrument | 202619837 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 026320-155, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 26320/155 |
| Instrument | 202619837 |
| Name | MASSACHUSETTS HSNG PARTNER FUN |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | May 5, 2026 |
| Property Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 0000019836 |
| Book / Page | 26320 / 148 |
| Instrument Date | May 4, 2026 |
| Instrument | 202619836 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 026320-148, |
|---|---|
| Date | May 5, 2026 |
| Book Page | 26320/148 |
| Instrument | 202619836 |
| Name | SPRINGFIELD CITY (OH) |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | May 5, 2026 |
| Property Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 0000019833 |
| Book / Page | 26320 / 115 |
| Instrument Date | Apr 28, 2026 |
| Instrument | 2026.19833 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| 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 | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Date | May 5, 2026 |
|---|
| Name | CITIZENS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | May 30, 2025 |
| Property Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
| Document Number | 025881-309 |
| Book / Page | 25881 / 309 |
| Instrument Date | May 29, 2025 |
| Instrument | 23809 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 123 BAY ST, SPRINGFIELD, MA 01109-3913 |
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 | $976.00 (-13.17%) | $63,100 (-11.99%) Land $22,900 Building $40,200 | $281,499 (+385.76%) |
| 2025 | $1,124.00 (+8.81%) | $71,700 (+18.32%) Land $23,700 Building $48,000 | $57,950 (-67.79%) |
| 2024 | $179,930 | ||
| 2023 | $1,033.00 | $60,600 Land $21,100 Building $39,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 469 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
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