43 Berard Cir, Springfield, MA 01128 Property Records

Hampden County and Springfield City property record for 43 Berard Cir, Springfield, MA 01128

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,156 sqft · built 1981
Lot Size	0.262 acres (11,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$224,000 (Oct 2020)
Tax Bill	$4,692 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01305 P:0145`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01305 P:0145`
Alternative APN	`13050145`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	988 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,400 sqft (0.262 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	13050145
Street Address	43 BERARD CIR
City	SPRINGFIELD
State	MA
Zip	01128-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6
Legal Subdivision	MISISCHIA CONSTR CO INC 03
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1020
Census Tract	801604

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	43 BERARD CIR, SPRINGFIELD, MA 01128-1003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2026	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Jun 9, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 7, 2020	Quit Claim Deed, Transfer · FHA Mortgage CITIZENS BANK OF RHODE ISLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2020 · Amount on Record
Deed Sale	Oct 7, 2020 · Amount on Record
Prior Sale	Sep 28, 2010 · Amount on Record
Deed Document Number	202057730
Deed Book / Page	23463 / 75
Prior Transfer Date	Sep 22, 2020
Prior Transfer Doc	23463-75
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 13, 2026
Property Address	43 BERARD CIR, SPRINGFIELD, MA 01128-1003
Document Number	0000032391
Book / Page	26413 / 393
Instrument Date	Jun 8, 2026
Instrument	202632391
Transaction Type	Mortgage
Record Updated	Aug 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 BERARD CIR, SPRINGFIELD, MA 01128-1003

Mortgage

Document Number	0000032391,
Date	Jul 13, 2026
Book Page	26413/393
Instrument	202632391

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Amount	Amount Recorded
Term	289 Months
Due	Aug 1, 2050

Interest

Rate	6.37%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	43 BERARD CIR, SPRINGFIELD, MA 01128-1003
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024584-308
Date	Jun 9, 2022
Book Page	24584/308
Instrument	34812

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jul 1, 2050

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Oct 7, 2020
Property Address	43 BERARD CIR, SPRINGFIELD, MA 01128-1003
Document Number	23463-75
Book / Page	23463 / 75
Instrument Date	Sep 22, 2020
Instrument	57730
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	43 BERARD CIR, SPRINGFIELD, MA 01128-1003

Mortgage

Document Number	57731
Date	Oct 7, 2020
Instrument	57731

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	FHA 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	$4,692.00 (+4.8%)	$303,500 (+6.3%) Land $60,800 Building $242,700	$320,100 (+6.26%)
2025	$4,477.00 (+15.57%)	$285,500 (+25.66%) Land $60,800 Building $224,700	$301,245 (+6.84%)
2024			$281,960
2023	$3,874.00	$227,200 Land $57,800 Building $169,400

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 333 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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