1577 Bay St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 1577 Bay St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,253 sqft · built 1943
Lot Size	0.235 acres (10,224 sqft)
Owner	Individual Name on Record
Last Sale	$309,000 (May 2025)
Tax Bill	$4,156 (2026)
Deeds & Mortgages	May 2025 Sale & Mortgage Apr 2024 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01085 P:0229`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01085 P:0229`
Alternative APN	`10850229`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,253 sqft Living Area
1st Floor Area	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Lot Area	10,224 sqft (0.235 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	10850229
Street Address	1577 BAY ST
City	SPRINGFIELD
State	MA
Zip	01109-1201
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	3002
Census Tract	801501

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	26 LORING ST, SPRINGFIELD, MA 01105-2433
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 9, 2025	Quit Claim Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 29, 2024	Foreclosure · Stand-Alone First Mortgage JOSEPH CARDAROPOLI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	Apr 29, 2024 · Amount on Record
Deed Book / Page	25859 / 306
Record Updated	Oct 29, 2026

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 9, 2025
Property Address	1577 BAY ST, SPRINGFIELD, MA 01109-1201
Document Number	025859-306
Book / Page	25859 / 306
Instrument Date	May 9, 2025
Instrument	20735
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 LORING ST, SPRINGFIELD, MA 01105-2433

Mortgage

Document Number	0000020736
Date	May 9, 2025
Instrument	20736

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2024: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPRINGFIELD MA
Recording Date	Apr 29, 2024
Property Address	1577 BAY ST, SPRINGFIELD, MA 01109-1201
Document Number	025399-547
Book / Page	25399 / 547
Instrument Date	Apr 29, 2024
Instrument	18135
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1769 RIVERDALE ST, WEST SPRINGFIELD, MA 01089-1052
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018139
Date	Apr 29, 2024
Instrument	18139

Lender

Name	JOSEPH CARDAROPOLI

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	$4,156.00 (+270.08%)	$268,800 (+275.42%) Land $46,000 Building $222,800	$276,784 (-5.47%)
2025	$1,123.00 (-56.92%)	$71,600 (-53.17%) Land $41,800 Building $29,800	$292,790 (+2.94%)
2024			$284,430
2023	$2,607.00	$152,900 Land $31,600 Building $121,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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