3 Elaine Cir, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 3 Elaine Cir, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,572 sqft · built 2019
Lot Size	0.188 acres (8,189 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Dec 2021)
Tax Bill	$7,150 (2025)
Deeds & Mortgages	Jul 2022 Refinance Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:04470 P:0100`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:04470 P:0100`
Alternative APN	`44700100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
1st Floor Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,189 sqft (0.188 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44700100
Street Address	3 ELAINE CIR
City	SPRINGFIELD
State	MA
Zip	01109-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3002
Census Tract	801501

Owner

Source: Hampden County and Springfield City assessment roll, as of April 14, 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 File
Mailing Address	3 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIGURE LENDING LCC
Dec 13, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage ENVOY MORTGAGE LTD
Feb 1, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Feb 1, 2021 · Amount on Record
Deed Document Number	202188476
Deed Book / Page	24299 / 589
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	3 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Transaction Type	Mortgage
Record Updated	Aug 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024652-293
Date	Jul 25, 2022
Book Page	24652/293
Instrument	44838

Lender

Name	FIGURE LENDING LCC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

December 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Dec 13, 2021
Property Address	3 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	024299-589
Book / Page	24299 / 589
Instrument Date	Dec 10, 2021
Instrument	88476
Transaction Type	Transfer
Record Updated	Dec 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	3 ELAINE CIR, SPRINGFIELD, MA 01109-1205

Mortgage

Document Number	0000088477
Date	Dec 13, 2021
Instrument	88477

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Feb 1, 2021
Property Address	3 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	23687-281
Book / Page	23687 / 281
Instrument Date	Jan 20, 2021
Instrument	7538
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	4550 NICKLAUS DR APT 106, 106, CHAMPAIGN, IL 61822-1507

Mortgage

Document Number	7539
Date	Feb 1, 2021
Instrument	7539

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Stand-Alone First 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	Assessed Market Value
2025	$7,150.00 (+18.67%)	$456,000 (+29.03%) Land $41,100 Building $414,900	$475,760 (-5.86%)
2024			$505,400
2023	$6,025.00	$353,400 Land $31,100 Building $322,300

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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

May also be available: Aervivo.

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