190 Roy St, Springfield, MA 01104 Property Records

Hampden County and Springfield City property record for 190 Roy St, Springfield, MA 01104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,330 sqft · built 1967
Lot Size	0.248 acres (10,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,000 (Aug 2012)
Tax Bill	$4,756 (2025)
Deeds & Mortgages	Dec 2024 Refinance Jan 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:10425 P:0053`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:10425 P:0053`
Alternative APN	`104250053`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
1st Floor Area	1,176 sqft
Game Room	Game Room

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,799 sqft (0.248 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	104250053
Street Address	190 ROY ST
City	SPRINGFIELD
State	MA
Zip	01104-1228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Subdivision	PETER F HOGAN
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1005
Census Tract	800300

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	190 ROY ST, SPRINGFIELD, MA 01104-1228
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance TD BANK NA
Jan 14, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit SANTANDER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2012 · Amount on Record
Deed Sale	Aug 1, 2012 · Amount on Record
Prior Sale	Aug 31, 2005 · Amount on Record
Deed Book / Page	19375 / 82
Record Updated	Sep 20, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	190 ROY ST, SPRINGFIELD, MA 01104-1228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025707-114
Date	Dec 24, 2024
Book Page	25707/114
Instrument	61114

Lender

Name	TD BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	190 ROY ST, SPRINGFIELD, MA 01104-1228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026186-120
Date	Jan 14, 2026
Book Page	26186/120
Instrument	1706

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	190 ROY ST, SPRINGFIELD, MA 01104-1228
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024254-312
Date	Nov 18, 2021
Book Page	24254/312
Instrument	82216

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	190 ROY ST, SPRINGFIELD, MA 01104-1228
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24254-312
Date	Nov 18, 2021
Book Page	24254/312
Instrument	82216

Lender

Name	SANTANDER BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate

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	$4,756.00 (+8.12%)	$303,300 (+17.56%) Land $40,100 Building $263,200	$271,130 (+0.18%)
2024			$270,655
2023	$4,399.00	$258,000 Land $35,500 Building $222,500

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	Low lower than 95% of the US · lower than 90% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 509 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Roy St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures