20 Gold St, #22, Springfield, MA 01107 Property Records

Hampden County and Springfield City property record for 20 Gold St, #22, Springfield, MA 01107

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,872 sqft · built 1990
Lot Size	0.144 acres (6,251 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,381 (2025)
Deeds & Mortgages	May 2022 Refinance Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:05780 P:0004`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:05780 P:0004`
Alternative APN	`57800004`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	900 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	57800004
Street Address	20 GOLD ST, 22
City	SPRINGFIELD
State	MA
Zip	01107-1325
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3014
Census Tract	800400

Owner

20 Gold St, #22, a duplex, is owned by two individuals.

Source: Hampden County and Springfield City records, as of April 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	51 S RIDGE CT, RIDGEFIELD, CT 06877-5420
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance MORGAN STANLEY CREDIT CORP
Jan 30, 2020	Deed of Trust, Mortgage · Commercial Mortgage MONSON SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	20-22 GOLD ST, SPRINGFIELD, MA 01107
Transaction Type	Mortgage
Record Updated	Jun 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024558-571
Date	May 23, 2022
Book Page	24558/571
Instrument	31195

Lender

Name	MORGAN STANLEY CREDIT CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	20-22 GOLD ST, SPRINGFIELD, MA 01107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23067-330
Date	Jan 30, 2020
Book Page	23067/330
Instrument	5461

Lender

Name	MONSON SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 20 Gold St, #22 was $5,381.

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
2025	$5,381.00	$343,200 Land $38,600 Building $304,600
2023	$4,510.00	$264,500 Land $34,200 Building $230,300

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 20 Gold St, #22 in Zone X, an area of minimal flood risk.

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

The area around 20 Gold St, #22 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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Crossroads Fiber, Spectrum, T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gold St

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