21 Willard Ave, #23, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 21 Willard Ave, #23, Springfield, MA 01109

Property Summary

Property Type	Duplex
Details	8 bd · 3 ba · 3,149 sqft · built 1910
Lot Size	0.126 acres (5,493 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,000 (Feb 2022)
Tax Bill	$4,528 (2025)
Deeds & Mortgages	Mar 2026 Transfer Jan 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:12295 P:0029`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:12295 P:0029`
Alternative APN	`122950029`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	13 Rooms
Units	2 Units
Stories	3 Stories
Building Area	3,149 sqft Living Area
1st Floor Area	1,145 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	5,493 sqft (0.126 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	122950029
Street Address	21 WILLARD AVE, 23
City	SPRINGFIELD
State	MA
Zip	01109-3034
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2018
Census Tract	801401

Owner

Source: Hampden County and Springfield City records, as of April 15, 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	21 WILLARD AVE, 23, SPRINGFIELD, MA 01109-3034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 28, 2021	Deed of Trust, Mortgage · Commercial Mortgage PLAZA 18 LLC
Apr 15, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Feb 23, 2022	Quit Claim Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK
Feb 20, 2019	Deed of Trust, Mortgage · Commercial Mortgage CITY VIEW PROP SVCS
Oct 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage ATHAS CAP
Jan 23, 2019	Quit Claim Deed, Transfer · Conventional Mortgage RCN CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Oct 25, 2006 · Amount on Record
Deed Document Number	202211522
Deed Book / Page	24419 / 185
Prior Transfer Date	Jan 24, 2019
Prior Transfer Doc	022589-508
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Mar 27, 2026
Property Address	21 WILLARD AVE # 23, 23, SPRINGFIELD, MA 01109-3034
Document Number	026267-598
Book / Page	26267 / 598
Instrument Date	Mar 27, 2026
Instrument	13023
Transaction Type	Transfer
Record Updated	Apr 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	21 WILLARD AVE # 23, 23, SPRINGFIELD, MA 01109-3034

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	21 WILLARD AVE # 23, 23, SPRINGFIELD, MA 01109-3034
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	023679-136
Date	Jan 28, 2021
Book Page	23679/136
Instrument	6491

Lender

Name	PLAZA 18 LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	21 WILLARD AVE # 23, 23, SPRINGFIELD, MA 01109-3034
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025827-13
Date	Apr 15, 2025
Book Page	25827/13
Instrument	16248

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	May 1, 2052

February 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Feb 23, 2022
Property Address	21 WILLARD AVE # 23, 23, SPRINGFIELD, MA 01109-3034
Document Number	024419-185
Book / Page	24419 / 185
Instrument Date	Feb 23, 2022
Instrument	11522
Transaction Type	Transfer
Record Updated	Jul 23, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 WILLARD AVE, SPRINGFIELD, MA 01109-3034

Mortgage

Document Number	0000011523
Date	Feb 23, 2022
Instrument	11523

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Mortgage

Document Number	024419-203
Date	Feb 23, 2022
Book Page	24419/203
Instrument	11524

Lender

Name	AMERICAN FINANCIAL NETWORK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	23 WILLARD AVE, SPRINGFIELD, MA 01109-3034
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22561-93
Date	Feb 20, 2019
Book Page	22561/93
Instrument	8899

Lender

Name	CITY VIEW PROP SVCS

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	23 WILLARD AVE, SPRINGFIELD, MA 01109-3034
Document Number	22912-243
Instrument Date	Oct 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5275 FLAKES MILL RD ELLENWOOD GA 302942137, ELLENWOOD, GA 30294-2137

Mortgage

Document Number	22912-243
Date	Oct 22, 2019
Book Page	022912/000243
Instrument	61331

Lender

Name	ATHAS CAP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 23, 2019
Property Address	23 WILLARD AVE, SPRINGFIELD, MA 01109-3034
Document Number	22530-358
Book / Page	022530 / 000358
Instrument Date	Jan 18, 2019
Instrument	3843
Transaction Type	Transfer
Record Updated	Feb 14, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5275 FLAKERS MILL RD ELLENWOOD GA 30294, ELLENWOOD, GA 30294

Mortgage

Document Number	22530-361
Date	Jan 23, 2019
Book Page	022530/000361
Instrument	3844

Lender

Name	RCN CAP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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
2025	$4,528.00 (-9.08%)	$288,800 (-1.13%) Land $30,600 Building $258,200
2023	$4,980.00	$292,100 Land $27,800 Building $264,300

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

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	1 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	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 782 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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