Hampden County and Springfield City property record for 20 Penrose St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,601 sqft · built 1949 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,252 (2026) |
| Deeds & Mortgages | Aug 2023 Mortgage Nov 2020 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:09640 P:0004 |
| Primary APN | SPRI S:09640 P:0004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,601 sqft Living Area |
| 1st Floor Area | 1,131 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 10,001 sqft (0.23 acres) |
| Garage Type | Attached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 96400004 |
|---|---|
| Street Address | 20 PENROSE ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-1831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Subdivision | PINEHURST |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 801501 |
Source: Hampden County and Springfield City records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 20 PENROSE ST, SPRINGFIELD, MA 01109-1831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 7, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOLYOKE CU |
| Nov 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance HOLYOKE CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2011 |
| Deed Sale | Mar 15, 2011 |
| Prior Sale | Mar 14, 2008 · Amount on Record |
| Deed Document Number | 20111 |
| Deed Book / Page | 18704 / 474 |
| Transfer Doc | 17105-191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 20 PENROSE ST, SPRINGFIELD, MA 01109-1831 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025106-399 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | 25106/399 |
| Instrument | 36468 |
| Name | HOLYOKE CU |
|---|---|
| Type | Credit Union |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 20 PENROSE ST, SPRINGFIELD, MA 01109-1831 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 23511-322 |
|---|---|
| Date | Nov 2, 2020 |
| Book Page | 23511/322 |
| Instrument | 64230 |
| Name | HOLYOKE CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2035 |
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 | $4,252.00 (-0.26%) | $275,000 (+1.14%) Land $45,900 Building $229,100 | $302,053 (+6.27%) |
| 2025 | $4,263.00 (+16.57%) | $271,900 (+26.76%) Land $41,700 Building $230,200 | $284,240 (+5.8%) |
| 2024 | $268,660 | ||
| 2023 | $3,657.00 | $214,500 Land $31,600 Building $182,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 602 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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