15 Ladd St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 15 Ladd St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,270 sqft · built 1909
Lot Size	0.087 acres (3,798 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (May 2019)
Tax Bill	$3,072 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07425 P:0016`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07425 P:0016`
Alternative APN	`74250016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,270 sqft Living Area
1st Floor Area	605 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,798 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	74250016
Street Address	15 LADD ST
City	SPRINGFIELD
State	MA
Zip	01109-3307
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	3004
Census Tract	801800

Owner

15 Ladd St is owned and occupied by an individual who bought it in May 2019.

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 File
Mailing Address	15 LADD ST, SPRINGFIELD, MA 01109-3307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Sep 11, 2018	Deed of Trust, Mortgage POLISH NATIONAL CU
May 30, 2019	Quit Claim Deed, Transfer · FHA Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2019 · Amount on File
Deed Sale	May 30, 2019 · Amount on File
Prior Sale	Aug 31, 1987 · Amount on File
Deed Document Number	201928363
Deed Book / Page	22687 / 264
Prior Transfer Date	May 28, 2019
Prior Transfer Doc	22687-264
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	15 LADD ST, SPRINGFIELD, MA 01109-3307
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024319-176
Date	Dec 22, 2021
Book Page	24319/176
Instrument	91459

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Jan 1, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	15 LADD ST, SPRINGFIELD, MA 01109-3307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22354-37
Date	Sep 11, 2018
Book Page	22354/37
Instrument	54368

Lender

Name	POLISH NATIONAL CU
Type	Credit Union

Agreement

Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2028

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 30, 2019
Property Address	15 LADD ST, SPRINGFIELD, MA 01109-3307
Document Number	22687-264
Book / Page	22687 / 264
Instrument Date	May 28, 2019
Instrument	28363
Transaction Type	Transfer
Record Updated	May 11, 2021

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
Address	6 CORTEZ ST, WESTFIELD, MA 01085-3607

Mortgage

Document Number	28364
Date	May 30, 2019
Instrument	28364

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 15 Ladd St was $3,072, up 5.5% 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	$3,072.00 (+5.49%)	$198,700 (+7%) Land $22,800 Building $175,900	$237,740 (-0.61%)
2025	$2,912.00	$185,700 Land $23,600 Building $162,100	$239,210 (-1.79%)
2024			$243,580
2023	$2,225.00	$130,500 Land $21,000 Building $109,500

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

Flood

FEMA maps place 15 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 15 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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