1295 Bay St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 1295 Bay St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,181 sqft · built 1952
Lot Size	0.151 acres (6,599 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (May 2024)
Tax Bill	$4,361 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01085 P:0276`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01085 P:0276`
Alternative APN	`10850276`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,181 sqft Living Area
1st Floor Area	825 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	6,599 sqft (0.151 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	10850276
Street Address	1295 BAY ST
City	SPRINGFIELD
State	MA
Zip	01109-2120
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1001
Census Tract	801402

Owner

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	15 COUNTY ST, SPRINGFIELD, MA 01109-1009
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 17, 2024	Quit Claim Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Jan 22, 2024	Quit Claim Deed, Transfer · Stand-Alone First Mortgage KIAVI FUNDING INCORPORATED
Nov 30, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage SANDRA GIL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2024 · Amount on Record
Deed Sale	May 17, 2024 · Amount on Record
Prior Sale	Jan 22, 2024 · Amount on Record
Deed Book / Page	25423 / 591
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	1295 BAY ST, SPRINGFIELD, MA 01109-2120
Transaction Type	Mortgage
Record Updated	Nov 25, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026066-493
Date	Oct 14, 2025
Book Page	26066/493
Instrument	48721

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	349 Months
Due	Nov 1, 2054

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 17, 2024
Property Address	1295 BAY ST, SPRINGFIELD, MA 01109-2120
Document Number	025423-591
Book / Page	25423 / 591
Instrument Date	May 17, 2024
Instrument	21453
Transaction Type	Transfer
Record Updated	May 31, 2024

Transaction

Amount	Amount Recorded
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	15 COUNTY ST, SPRINGFIELD, MA 01109-1009

Mortgage

Document Number	0000021454
Date	May 17, 2024
Instrument	21454

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	00025424-1
Date	May 17, 2024
Book Page	25424/1
Instrument	21455

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2034

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 22, 2024
Property Address	1295 BAY ST, SPRINGFIELD, MA 01109-2120
Document Number	0025297-20
Book / Page	25297 / 20
Instrument Date	Jan 19, 2024
Instrument	2794
Transaction Type	Transfer
Record Updated	Feb 9, 2024
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
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	12 HANNOUSH DR, WEST SPRINGFIELD, MA 01089-4467

Mortgage

Document Number	0000002795
Date	Jan 22, 2024
Instrument	2795

Lender

Name	KIAVI FUNDING INCORPORATED

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Nov 30, 2023
Property Address	1295 BAY ST, SPRINGFIELD, MA 01109-2120
Document Number	025245-212
Book / Page	25245 / 212
Instrument Date	Nov 30, 2023
Instrument	57007
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
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	1218 WESTFIELD ST, W SPRINGFIELD, MA 01089-3811
Investor	Possibly a Property Investor

Mortgage

Document Number	0000057008
Date	Nov 30, 2023
Instrument	57008

Lender

Name	SANDRA GIL

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$4,361.00 (+3.12%)	$282,100 (+4.6%) Land $44,700 Building $237,400	$263,129 (+1.38%)
2025	$4,229.00 (+21.42%)	$269,700 (+32.01%) Land $40,500 Building $229,200	$259,540 (-0.07%)
2024			$259,730
2023	$3,483.00	$204,300 Land $30,700 Building $173,600

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

Flood

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.

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 159 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	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Aervivo.

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