16 Ladd St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 16 Ladd St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1986
Lot Size	0.193 acres (8,398 sqft)
Owner	Individual Name on Record
Tax Bill	$3,047 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07425 P:0002`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07425 P:0002`
Alternative APN	`74250002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,398 sqft (0.193 acres)

Utilities, Heating & Cooling

Heating System	Electric
Heating Fuel	Gas

Location & Zoning

Account Number	74250002
Street Address	16 LADD ST
City	SPRINGFIELD
State	MA
Zip	01109-3308
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	3003
Census Tract	801800

Owner

Source: Hampden County and Springfield City records, as of July 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	16 LADD ST, SPRINGFIELD, MA 01109-3308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC
Aug 12, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Sep 3, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2012
Deed Sale	Nov 20, 2012
Prior Sale	Apr 29, 2011 · Amount on Record
Deed Document Number	20127
Deed Book / Page	19553 / 532
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Recording Date	Jun 3, 2026
Property Address	16 LADD ST, SPRINGFIELD, MA 01109-3308
Document Number	026358-223
Book / Page	26358 / 223
Instrument Date	Mar 26, 2026
Instrument	202624962
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 LADD ST, SPRINGFIELD, MA 01109-3308
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024962,
Date	Jun 3, 2026
Book Page	26358/223
Instrument	202624962

Lender

Name	ADVANTAGEFIRST LNDG INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2051

Interest

Rate	5.98%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	16 LADD ST, SPRINGFIELD, MA 01109-3308
Transaction Type	Mortgage
Record Updated	Aug 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024677-567
Date	Aug 12, 2022
Book Page	24677/567
Instrument	48670

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	16 LADD ST, SPRINGFIELD, MA 01109-3308
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24101-378
Date	Sep 3, 2021
Book Page	24101/378
Instrument	62335

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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
2025	$3,047.00 (+22.08%)	$194,300 (+32.72%) Land $25,900 Building $168,400	$239,210 (-2.29%)
2024			$244,815
2023	$2,496.00	$146,400 Land $23,100 Building $123,300

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 · 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

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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