305 Bay St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 305 Bay St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,379 sqft · built 1893
Lot Size	0.087 acres (3,798 sqft)
Owner	2 Company Names on Record
Last Sale	$200,000 (Oct 2023)
Tax Bill	$2,837 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01085 P:0400`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01085 P:0400`
Alternative APN	`10850400`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,379 sqft Living Area
1st Floor Area	986 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,798 sqft (0.087 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	10850400
Street Address	305 BAY ST
City	SPRINGFIELD
State	MA
Zip	01109-3518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2001
Census Tract	801300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the McKnight District (Boundary Increase) listed 1986 · 476 contributing resources · NRIS 86002466

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Hampden County and Springfield City records, as of October 20, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	302 BAY ST, SPRINGFIELD, MA 01109-3556
Owner Type	Company
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2023	Quit Claim Deed, Transfer · Stand-Alone First Mortgage BAYCOAST MORTGAGE COMPANY
Apr 16, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2023 · Amount on Record
Deed Sale	Oct 31, 2023 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	202351796
Deed Book / Page	25210 / 480
Record Updated	Oct 29, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Oct 31, 2023
Property Address	305 BAY ST, SPRINGFIELD, MA 01109-3518
Document Number	025210-480
Book / Page	25210 / 480
Instrument Date	Oct 31, 2023
Instrument	51796
Transaction Type	Transfer
Record Updated	Nov 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	305 BAY ST, SPRINGFIELD, MA 01109-3518

Mortgage

Document Number	0000051797
Date	Oct 31, 2023
Instrument	51797

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	025210-504
Date	Oct 31, 2023
Book Page	25210/504
Instrument	51798

Lender

Name	BAYCOAST MORTGAGE COMPANY

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Apr 16, 2021
Property Address	305 BAY ST, SPRINGFIELD, MA 01109-3518
Document Number	23829-433
Book / Page	23829 / 433
Instrument Date	Apr 16, 2021
Instrument	25980
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Tenants by the Entirety
Address	89 STEADMAN ST, CHELMSFORD, MA 01824-1825

Mortgage

Document Number	25981
Date	Apr 16, 2021
Instrument	25981

Lender

Name	NEWREZ LLC

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
2026	$2,837.00 (+10.95%)	$183,500 (+12.51%) Land $22,800 Building $160,700	$285,991 (+16.37%)
2025	$2,557.00 (-3.07%)	$163,100 (+5.43%) Land $23,600 Building $139,500	$245,765 (+29.93%)
2024			$189,145
2023	$2,638.00	$154,700 Land $21,000 Building $133,700

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	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 586 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

May also be available: AT&T.

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