305 Denver St, Springfield, MA 01109 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,344 sqft · built 1987
Lot Size	0.181 acres (7,884 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Jan 2024)
Tax Bill	$4,893 (2026)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:03825 P:0065`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:03825 P:0065`
Alternative APN	`38250065`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	528 sqft
Basement Area	288 sqft
Unfinished Basement	288 sqft
Game Room	Game Room

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	7,884 sqft (0.181 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	38250065
Street Address	305 DENVER ST
City	SPRINGFIELD
State	MA
Zip	01109-1923
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4004
Census Tract	801501

Owner

305 Denver St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	305 DENVER ST, SPRINGFIELD, MA 01109-1923
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

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

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE AFFINITY LLC
Jan 27, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage RFLF 7 LLC
Mar 5, 2020	Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2024 · Amount on File
Deed Sale	Jan 31, 2024 · Amount on File
Prior Sale	Jan 27, 2022 · Amount on File
Deed Book / Page	25308 / 240
Prior Transfer Date	Feb 5, 2020
Prior Transfer Doc	23115-71
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 31, 2024
Property Address	305 DENVER ST, SPRINGFIELD, MA 01109-1923
Document Number	025308-240
Book / Page	25308 / 240
Instrument Date	Jan 30, 2024
Instrument	4472
Transaction Type	Transfer
Record Updated	Feb 16, 2024

Transaction

Amount	Amount 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
Address	305 DENVER ST, SPRINGFIELD, MA 01109-1923

Mortgage

Document Number	0000004473
Date	Jan 31, 2024
Instrument	4473

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	025308-264
Date	Jan 31, 2024
Book Page	25308/264
Instrument	4474

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2039

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 27, 2022
Property Address	305 DENVER ST, SPRINGFIELD, MA 01109-1923
Document Number	024374-241
Book / Page	24374 / 241
Instrument Date	Jan 25, 2022
Instrument	5312
Transaction Type	Transfer
Record Updated	Nov 20, 2025

Transaction

Amount	Amount 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
Address	16 SCONTICUT NECK RD # 248, FAIRHAVEN, MA 02719-1914

Mortgage

Document Number	0000005313
Date	Jan 27, 2022
Instrument	5313

Lender

Name	RFLF 7 LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

March 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPRINGFIELD MA
Recording Date	Mar 5, 2020
Property Address	305 DENVER ST, SPRINGFIELD, MA 01109-1923
Document Number	23115-71
Book / Page	023115 / 000071
Instrument Date	Feb 5, 2020
Instrument	12337
Transaction Type	Foreclosure
Record Updated	Mar 24, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$736.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10561 TELEGRAPH RD GLEN ALLEN VA 230594577, GLEN ALLEN, VA 23059-4577
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 305 Denver St was $4,893, up 0.8% from the year before.

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	$4,893.00 (+0.78%)	$316,500 (+2.23%) Land $45,200 Building $271,300	$338,563 (+7.34%)
2025	$4,855.00	$309,600 Land $41,000 Building $268,600	$315,400 (+14.8%)
2024			$274,740
2023	$4,205.00	$246,600 Land $31,000 Building $215,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 305 Denver St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 305 Denver St is low, with less than a 0.01% annual chance of 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	None beyond 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 260 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: GoNetspeed.

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