21 Cluster Cir, Springfield, MA 01118 Property Records

Hampden County and Springfield City property record for 21 Cluster Cir, Springfield, MA 01118

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,816 sqft · built 1987
Lot Size	0.243 acres (10,594 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Oct 2017)
Tax Bill	$5,598 (2025)
Deeds & Mortgages	Jan 2025 Mortgage Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:02935 P:0013`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:02935 P:0013`
Alternative APN	`29350013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
1st Floor Area	816 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,594 sqft (0.243 acres)
Garage Type	Attached
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	29350013
Street Address	21 CLUSTER CIR
City	SPRINGFIELD
State	MA
Zip	01118-2600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1007
Census Tract	801605

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	Individual Name on Record
Mailing Address	21 CLUSTER CIR, SPRINGFIELD, MA 01118-2600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2025	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PENNYMAC LOAN SERVICES LLC
Feb 17, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Oct 27, 2017	Quit Claim Deed, Transfer · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Prior Sale	Apr 14, 2005 · Amount on Record
Deed Book / Page	21921 / 26
Record Updated	Sep 20, 2026

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	21 CLUSTER CIR, SPRINGFIELD, MA 01118-2600
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025742-446
Date	Jan 29, 2025
Book Page	25742/446
Instrument	4331

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	21 CLUSTER CIR, SPRINGFIELD, MA 01118-2600
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023714-248
Date	Feb 17, 2021
Book Page	23714/248
Instrument	11088

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Oct 27, 2017
Property Address	21 CLUSTER CIR, SPRINGFIELD, MA 01118-2600
Document Number	21921-26
Book / Page	021921 / 000026
Instrument Date	Oct 27, 2017
Instrument	63858
Transaction Type	Transfer
Record Updated	Nov 14, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,046.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 CLUSTER CIR SPRINGFIELD MA 011182600, SPRINGFIELD, MA 01118-2600

Mortgage

Document Number	21921-30
Date	Oct 27, 2017
Book Page	021921/000030
Instrument	63859

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

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	$5,598.00 (+2.96%)	$357,000 (+11.95%) Land $58,100 Building $298,900	$386,080 (+9.57%)
2024			$352,355
2023	$5,437.00	$318,900 Land $55,300 Building $263,600

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 · 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 92% 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 175 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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