Hampden County and Springfield City property record for 45 Florida St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,514 sqft · built 1902 |
| Lot Size | 0.115 acres (5,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Aug 2022) |
| Tax Bill | $4,116 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Mar 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:05220 P:0077 |
| Primary APN | SPRI S:05220 P:0077 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,514 sqft Living Area |
| 1st Floor Area | 871 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1902 |
|---|---|
| Effective Year Built | Effective 1902 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,001 sqft (0.115 acres) |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 52200077 |
|---|---|
| Street Address | 45 FLORIDA ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-3902 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 801300 |
Source: Hampden County and Springfield City assessment roll, APN SPRI S:05220 P:0077, as of April 14, 2026 · Last verified July 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 | 45 FLORIDA ST, SPRINGFIELD, MA 01109-3902 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2022 | Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC |
| Mar 20, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance AMBA CAPITAL GROUP INC |
| Apr 24, 2018 | Foreclosure |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 12, 2022 · Amount on Record |
| Deed Sale | Aug 12, 2022 · Amount on Record |
| Prior Sale | Aug 13, 2018 · Amount on Record |
| Deed Document Number | 202249020 |
| Deed Book / Page | 24680 / 299 |
| Transfer Doc | 0000010333 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Aug 12, 2022 |
| Property Address | 45 FLORIDA ST, SPRINGFIELD, MA 01109-3902 |
| Document Number | 024680-299 |
| Book / Page | 24680 / 299 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 49020 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 147 CATHARINE ST, SPRINGFIELD, MA 01109-3548 |
| Document Number | 0000049021 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 49021 |
| Name | FINANCE AMERICA LLC |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 45 FLORIDA ST, SPRINGFIELD, MA 01109-3902 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 023136-595 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 23136/595 |
| Instrument | 15215 |
| Name | AMBA CAPITAL GROUP INC |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Apr 24, 2018 |
| Property Address | 45 FLORIDA ST, SPRINGFIELD, MA 01109-3902 |
| Document Number | 22143-518 |
| Book / Page | 022143 / 000518 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 21782 |
| Transaction Type | Foreclosure |
| Record Updated | May 23, 2018 |
| Amount | Amount Recorded |
|---|---|
| Tax | $293.84 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 650043 DALLAS TX 752650043, DALLAS, TX 75265-0043 |
| Investor | Possibly a Property Investor |
Source: Hampden County and Springfield City assessment roll as of April 14, 2026 · Last verified July 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 | $4,116.00 (+9.24%) | $262,500 (+18.78%) Land $24,600 Building $237,900 | $353,210 (-0.83%) |
| 2024 | $356,155 | ||
| 2023 | $3,768.00 | $221,000 Land $21,900 Building $199,100 |
Source: FEMA National Flood Hazard Layer, Hampden County (25013C), as of June 7, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 250138013003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the McKnight District (Boundary Increase) listed 1986 · 476 contributing resources · NRIS 86002466 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection, 469 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
Source: EPA Safe Drinking Water Information System, water system MA1281000, 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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