Hampden County and Springfield City property record for 401 Bay St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,788 sqft · built 1904 |
| Lot Size | 0.091 acres (3,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,000 (Sep 2008) |
| Tax Bill | $3,718 (2025) |
| Deeds & Mortgages | Mar 2022 Refinance Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:01085 P:0380 |
| Primary APN | SPRI S:01085 P:0380 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,788 sqft Living Area |
| 1st Floor Area | 685 sqft |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,960 sqft (0.091 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 10850380 |
|---|---|
| Street Address | 401 BAY ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-2901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 801401 |
Source: Hampden County and Springfield City records · APN SPRI S:01085 P:0380
Assessment roll updated April 14, 2026 · Last verified August 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 | 401 BAY ST, SPRINGFIELD, MA 01109-2901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 07, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance MV REALTY OF MA LLC |
| Nov 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WAY FINDERS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 30, 2008 · Amount on Record |
| Deed Sale | Sep 30, 2008 · Amount on Record |
| Prior Sale | May 28, 2004 · Amount on Record |
| Deed Document Number | 200863752 |
| Deed Book / Page | 17490 / 3 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 401 BAY ST, SPRINGFIELD, MA 01109-2901 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00024438-2 |
|---|---|
| Date | Mar 07, 2022 |
| Book Page | 24438/2 |
| Instrument | 14141 |
| Name | MV REALTY OF MA LLC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 401 BAY ST, SPRINGFIELD, MA 01109-2901 |
| Document Number | 23544-218 |
| Instrument Date | Nov 11, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 401 BAY ST SPRINGFIELD MA 011092901, SPRINGFIELD, MA 01109-2901 |
| Document Number | 23544-218 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 023544/000218 |
| Instrument | 68563 |
| Name | WAY FINDERS INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Hampden County and Springfield City records · Assessment roll updated April 14, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,718.00 (+186.44%) | $237,100 (+211.56%) Land $29,000 Building $208,100 | $228,190 (+7.76%) |
| 2024 | $211,755 | ||
| 2023 | $1,298.00 | $76,100 Land $26,300 Building $49,800 |
Source: FEMA National Flood Hazard Layer as of June 7, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
Based on FCC filings for 366 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SPRINGFIELD WATER AND SEWER COMMISSION serves 169,170 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 4 ppb (2024) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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