43 Earl St, #45, Springfield, MA 01108 Property Records

Hampden County and Springfield City property record for 43 Earl St, #45, Springfield, MA 01108

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,708 sqft · built 1924
Lot Size	0.048 acres (2,100 sqft)
Owner	Individual Name on Record
Last Sale	$111,000 (Oct 2016)
Tax Bill	$4,067 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:04250 P:0021`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:04250 P:0021`
Alternative APN	`42500021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Units	2 Units
Stories	2 Stories
Building Area	1,708 sqft Living Area
1st Floor Area	854 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1924
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	2,100 sqft (0.048 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	42500021
Street Address	43 EARL ST, 45
City	SPRINGFIELD
State	MA
Zip	01108-1832
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3011
Census Tract	802300

Owner

Source: Hampden County and Springfield City records, as of April 14, 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	Individual Name on Record
Mailing Address	43 EARL ST, 45, SPRINGFIELD, MA 01108-1832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 29, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2016 · Amount on Record
Deed Sale	Oct 31, 2016 · Amount on Record
Prior Sale	Jun 24, 2015 · Amount on Record
Deed Book / Page	21428 / 2
Transfer Doc	00021428-2
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	43 EARL ST # 45, 45, SPRINGFIELD, MA 01108-1832
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024307-129
Date	Dec 16, 2021
Book Page	24307/129
Instrument	89878

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2053

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	43 EARL ST # 45, 45, SPRINGFIELD, MA 01108-1832
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026167-556
Date	Dec 29, 2025
Book Page	26167/556
Instrument	62659

Lender

Name	AMERISAVE MORTGAGE CORP

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

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
2025	$4,067.00 (+12.94%)	$259,400 (+22.82%) Land $27,000 Building $232,400
2023	$3,601.00	$211,200 Land $24,600 Building $186,600

Assessed value is set for property tax purposes and is not a market price estimate.

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 894 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Earl St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures