45 Bernard St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 45 Bernard St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,190 sqft · built 1949
Lot Size	0.138 acres (5,998 sqft)
Owner	Individual Name on Record
Tax Bill	$3,675 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:01360 P:0055`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:01360 P:0055`
Alternative APN	`13600055`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	5,998 sqft (0.138 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	13600055
Street Address	45 BERNARD ST
City	SPRINGFIELD
State	MA
Zip	01109-1207
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	1015
Census Tract	801502

Owner

Source: Hampden County and Springfield City records, as of July 20, 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 Record
Mailing Address	45 BERNARD ST, SPRINGFIELD, MA 01109-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	45 BERNARD ST, SPRINGFIELD, MA 01109-1207
Document Number	22558-186
Instrument Date	Feb 5, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERNARD ST SPRINGFIELD MA 011091207, SPRINGFIELD, MA 01109-1207

Mortgage

Document Number	22558-186
Date	Feb 19, 2019
Book Page	022558/000186
Instrument	8458

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 18, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Aug 16, 2017
Property Address	45 BERNARD ST, SPRINGFIELD, MA 01109-1207
Document Number	21814-437
Book / Page	021814 / 000437
Instrument Date	Aug 8, 2017
Instrument	47502
Transaction Type	Transfer
Record Updated	Sep 5, 2017

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 BERNARD ST SPRINGFIELD MA 011091207, SPRINGFIELD, MA 01109-1207

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
2025	$3,675.00 (+8.86%)	$234,400 (+18.38%) Land $40,300 Building $194,100	$508,250 (-18.03%)
2024			$620,065
2023	$3,376.00	$198,000 Land $30,500 Building $167,500

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

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 709 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.

Nearby Properties on Bernard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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