14 Bernard St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 14 Bernard St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,274 sqft · built 1923
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Aug 2020)
Tax Bill	$3,387 (2026)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Aug 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01360 P:0004`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01360 P:0004`
Alternative APN	`13600004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,274 sqft Living Area
1st Floor Area	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 2020
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	13600004
Street Address	14 BERNARD ST
City	SPRINGFIELD
State	MA
Zip	01109-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1015
Census Tract	801502

Owner

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	Individual Name on Record
Mailing Address	14 BERNARD ST, SPRINGFIELD, MA 01109-1208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Deed of Trust, Mortgage · Reverse Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 13, 2020	Quit Claim Deed, Transfer · FHA Mortgage NORCOM MORTGAGE
Jun 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE AMERICA
May 17, 2019	Personal Representative Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2020 · Amount on Record
Deed Sale	Aug 13, 2020 · Amount on Record
Prior Sale	May 17, 2019 · Amount on Record
Deed Document Number	202044367
Deed Book / Page	23362 / 157
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	23362-157
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	14 BERNARD ST, SPRINGFIELD, MA 01109-1208
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024154-493
Date	Sep 30, 2021
Book Page	24154/493
Instrument	69067

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Aug 13, 2020
Property Address	14 BERNARD ST, SPRINGFIELD, MA 01109-1208
Document Number	23362-157
Book / Page	23362 / 157
Instrument Date	Aug 12, 2020
Instrument	44367
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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
Address	21 POWER ST, HOLYOKE, MA

Mortgage

Document Number	44368
Date	Aug 13, 2020
Instrument	44368

Lender

Name	NORCOM MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	14 BERNARD ST, SPRINGFIELD, MA 01109-1208
Document Number	22726-235
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 PARKWOOD ST SPRINGFIELD MA 011082609, SPRINGFIELD, MA 01108-2609

Mortgage

Document Number	22726-235
Date	Jun 25, 2019
Book Page	022726/000235
Instrument	34305

Lender

Name	FINANCE AMERICA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jun 24, 2020

May 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 17, 2019
Property Address	14 BERNARD ST, SPRINGFIELD, MA 01109-1208
Document Number	22670-414
Book / Page	022670 / 000414
Instrument Date	May 15, 2019
Instrument	25741
Transaction Type	Transfer
Record Updated	Jun 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$23.25
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 PARKWOOD ST SPRINGFIELD MA 011082609, SPRINGFIELD, MA 01108-2609

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	$3,387.00 (+6.11%)	$219,100 (+7.61%) Land $43,000 Building $176,100	$310,210 (-10.66%)
2025	$3,192.00 (+1.82%)	$203,600 (+10.71%) Land $39,000 Building $164,600	$347,225 (+7.06%)
2024			$324,330
2023	$3,135.00	$183,900 Land $29,500 Building $154,400

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 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

May also be available: Aervivo.

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