Hampden County and Springfield City property record for 18 Shirley Rd, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 925 sqft · built 1953 |
| Lot Size | 0.219 acres (9,527 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Aug 2024) |
| Tax Bill | $4,092 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Aug 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:10830 P:0005 |
| Primary APN | SPRI S:10830 P:0005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 925 sqft Living Area |
| 1st Floor Area | 925 sqft |
| Game Room | Game Room |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,527 sqft (0.219 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 108300005 |
|---|---|
| Street Address | 18 SHIRLEY RD |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-1554 |
| 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 | 3000 |
| Census Tract | 801601 |
18 Shirley Rd is owned by an individual who bought it in August 2024.
Source: Hampden County and Springfield City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 114 MULBERRY ST, SPRINGFIELD, MA 01105-1407 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 25, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) WESTFIELD BANK FSB |
| Aug 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOWER LLC |
| Sep 22, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LOWER LLC |
| Aug 17, 2018 | Quit Claim Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2024 · Amount on File |
| Deed Sale | Aug 8, 2024 · Amount on File |
| Prior Sale | Aug 17, 2018 · Amount on File |
| Deed Book / Page | 25525 / 230 |
| Prior Transfer Date | Jun 20, 2024 |
| Prior Transfer Doc | 025525-226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 18 SHIRLEY RD, SPRINGFIELD, MA 01109-1554 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024561-165 |
|---|---|
| Date | May 25, 2022 |
| Book Page | 24561/165 |
| Instrument | 31543 |
| Name | WESTFIELD BANK FSB |
|---|---|
| Type | Bank |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 61 Months |
| Due | Jun 1, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 18 SHIRLEY RD, SPRINGFIELD, MA 01109-1554 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 025135-275 |
|---|---|
| Date | Aug 30, 2023 |
| Book Page | 25135/275 |
| Instrument | 40707 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 18 SHIRLEY RD, SPRINGFIELD, MA 01109-1554 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 024136-589 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 24136/589 |
| Instrument | 66816 |
| Name | LOWER LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 18 SHIRLEY RD, SPRINGFIELD, MA 01109-1554 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 24136-589 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 24136/589 |
| Instrument | 66816 |
| Name | LOWER LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Aug 17, 2018 |
| Property Address | 18 SHIRLEY RD, SPRINGFIELD, MA 01109-1554 |
| Document Number | 22320-4 |
| Book / Page | 022320 / 000004 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 49115 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2018 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $734.70 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 536 CHESTNUT ST SPRINGFIELD MA 011072043, SPRINGFIELD, MA 01107-2043 |
| Document Number | 22320-7 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 022320/000007 |
| Instrument | 49116 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 16, 2048 |
The 2026 property tax bill for 18 Shirley Rd was $4,092, up 8.8% from the year before.
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,092.00 (+8.83%) | $264,700 (+10.38%) Land $51,900 Building $212,800 | $284,731 (+0.01%) |
| 2025 | $3,760.00 | $239,800 Land $51,900 Building $187,900 | $284,715 (+0.74%) |
| 2024 | $282,625 | ||
| 2023 | $3,642.00 | $213,600 Land $49,400 Building $164,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Shirley Rd 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 | 2 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.
The area around 18 Shirley Rd has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 320 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 |
| AT&T Fixed Wireless | 100 / 20 |
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