163 Bowles St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 163 Bowles St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,988 sqft · built 1911
Lot Size	0.072 acres (3,115 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Dec 2022)
Tax Bill	$4,113 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01692 P:0017`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01692 P:0017`
Alternative APN	`16920017`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
1st Floor Area	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Architectural Style	Colonial
Exterior Material	Asbestos
Lot Area	3,115 sqft (0.072 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	16920017
Street Address	163 BOWLES ST
City	SPRINGFIELD
State	MA
Zip	01109-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2001
Census Tract	801300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the McKnight District (Boundary Increase) listed 1986 · 476 contributing resources · NRIS 86002466

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2022	Quit Claim Deed, Transfer · FHA Mortgage SEMPER HOME LOANS INC
Aug 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage GROUNDFLOOR RE 1 LLC
May 13, 2021	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2022 · Amount on Record
Deed Sale	Dec 23, 2022 · Amount on Record
Prior Sale	Aug 16, 2021 · Amount on Record
Deed Document Number	202275031
Deed Book / Page	24853 / 551
Record Updated	Sep 20, 2026

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Dec 23, 2022
Property Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503
Document Number	024853-551
Book / Page	24853 / 551
Instrument Date	Dec 22, 2022
Instrument	75031
Transaction Type	Transfer
Record Updated	Jan 6, 2023

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
Relationship	Tenants by the Entirety
Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503

Mortgage

Document Number	0000075032
Date	Dec 23, 2022
Instrument	75032

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	024853-566
Date	Dec 23, 2022
Book Page	24853/566
Instrument	75033

Lender

Name	SEMPER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Aug 16, 2021
Property Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503
Document Number	24064-59
Book / Page	24064 / 59
Instrument Date	Aug 13, 2021
Instrument	57385
Transaction Type	Transfer
Record Updated	Sep 3, 2021

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	1339 BLUE HILL AVE, MATTAPAN, MA 02126-1814

Mortgage

Document Number	57386
Date	Aug 16, 2021
Instrument	57386

Lender

Name	GROUNDFLOOR RE 1 LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2021: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPRINGFIELD MA
Recording Date	May 13, 2021
Property Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503
Document Number	23881-108
Book / Page	23881 / 108
Instrument Date	May 5, 2021
Instrument	32898
Transaction Type	Foreclosure
Record Updated	May 28, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	163 BOWLES ST, SPRINGFIELD, MA 01109-3503
Investor	Possibly a Property Investor

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	$4,113.00 (+5.38%)	$262,300 (+14.59%) Land $23,000 Building $239,300	$317,205 (+11.52%)
2024			$284,430
2023	$3,903.00	$228,900 Land $20,500 Building $208,400

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	Not rated no burnable land within 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 586 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: AT&T.

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