197 Phoenix Ter, Springfield, MA 01104 Property Records

Hampden County and Springfield City property record for 197 Phoenix Ter, Springfield, MA 01104

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,404 sqft · built 1926
Lot Size	0.135 acres (5,881 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Jun 2019)
Tax Bill	$4,126 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:09692 P:0032`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:09692 P:0032`
Alternative APN	`96920032`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,404 sqft Living Area
1st Floor Area	702 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	5,881 sqft (0.135 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	96920032
Street Address	197 PHOENIX TER
City	SPRINGFIELD
State	MA
Zip	01104-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2004
Census Tract	800400

Owner

Source: Hampden County and Springfield City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	197 PHOENIX TER, SPRINGFIELD, MA 01104-2513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Jun 7, 2019	Personal Representative Deed, Transfer · FHA Mortgage CITIZENS BK/RI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 7, 2019 · Amount on Record
Deed Sale	Jun 7, 2019 · Amount on Record
Deed Document Number	201930101
Deed Book / Page	22698 / 500
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	197 PHOENIX TER, SPRINGFIELD, MA 01104-2513
Transaction Type	Mortgage
Record Updated	Nov 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24200-328
Date	Oct 25, 2021
Book Page	24200/328
Instrument	75314

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

Interest

Rate Type	Adjustable Rate

June 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jun 7, 2019
Property Address	197 PHOENIX TER, SPRINGFIELD, MA 01104-2513
Document Number	22698-500
Book / Page	022698 / 000500
Instrument Date	Jun 5, 2019
Instrument	30101
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$674.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 ORANGE ST SPRINGFIELD MA 011081908, SPRINGFIELD, MA 01108-1908

Mortgage

Document Number	22698-503
Date	Jun 7, 2019
Book Page	022698/000503
Instrument	30102

Lender

Name	CITIZENS BK/RI
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 6, 2049

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	$4,126.00 (+26.45%)	$266,900 (+28.26%) Land $36,900 Building $230,000	$265,344 (+4.1%)
2025	$3,263.00 (+22.44%)	$208,100 (+33.14%) Land $38,400 Building $169,700	$254,885 (+4.76%)
2024			$243,295
2023	$2,665.00	$156,300 Land $33,900 Building $122,400

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon.

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