38 Schley St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 38 Schley St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1920
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on File
Last Sale	$127,700 (Dec 2018)
Tax Bill	$3,514 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Feb 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:10645 P:0008`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:10645 P:0008`
Alternative APN	`106450008`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,080 sqft Living Area
1st Floor Area	600 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	5,001 sqft (0.115 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	106450008
Street Address	38 SCHLEY ST
City	SPRINGFIELD
State	MA
Zip	01109-1121
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	801502

Owner

38 Schley St is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Mailing Address	38 SCHLEY ST, SPRINGFIELD, MA 01109-1121
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 24, 2026	Deed of Trust, Mortgage CITIZENS BANK
Feb 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance HARBORONE MORTGAGE
Dec 10, 2018	Warranty Deed, Transfer · FHA Mortgage SAVINGS INSTITUTE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2018 · Amount on File
Deed Sale	Dec 10, 2018 · Amount on File
Prior Sale	Jul 27, 2004 · Amount on File
Deed Document Number	201873270
Deed Book / Page	22476 / 589
Transfer Doc	20180-586
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	38 SCHLEY ST, SPRINGFIELD, MA 01109-1121
Transaction Type	Mortgage
Record Updated	Mar 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026228-250
Date	Feb 24, 2026
Book Page	26228/250
Instrument	7748

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	38 SCHLEY ST, SPRINGFIELD, MA 01109-1121
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23696-374
Date	Feb 8, 2021
Book Page	23696/374
Instrument	8775

Lender

Name	HARBORONE MORTGAGE

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Dec 10, 2018
Property Address	38 SCHLEY ST, SPRINGFIELD, MA 01109-1121
Document Number	22476-589
Book / Page	022476 / 000589
Instrument Date	Dec 7, 2018
Instrument	73270
Transaction Type	Transfer
Record Updated	Jan 2, 2019

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 SAINT JAMES ST SPRINGFIELD MA 01106, SPRINGFIELD, MA 01106

Mortgage

Document Number	22476-592
Date	Dec 10, 2018
Book Page	022476/000592
Instrument	73271

Lender

Name	SAVINGS INSTITUTE
Type	Federal Savings Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 9, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 38 Schley St was $3,514, up 8.7% 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	$3,514.00 (+8.73%)	$227,300 (+10.29%) Land $43,000 Building $184,300	$249,978 (+12.45%)
2025	$3,232.00	$206,100 Land $37,200 Building $168,900	$222,300 (+5.69%)
2024			$210,330
2023	$2,697.00	$158,200 Land $32,900 Building $125,300

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

Flood

FEMA maps place 38 Schley St in Zone X, an area of minimal flood risk.

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

The area around 38 Schley St has no burnable land within ember reach, so its wildfire risk is not rated.

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 390 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

May also be available: Verizon.

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