45 Ladd St, Springfield, MA 01109 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,172 sqft · built 1912
Lot Size	0.082 acres (3,572 sqft)
Owner	Individual Name on File
Last Sale	$147,000 (Sep 2019)
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Sep 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07425 P:0010`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07425 P:0010`
Alternative APN	`74250010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,172 sqft Living Area
1st Floor Area	586 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2019
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	3,572 sqft (0.082 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	74250010
Street Address	45 LADD ST
City	SPRINGFIELD
State	MA
Zip	01109-3307
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	3004
Census Tract	801800

Owner

Source: Hampden County and Springfield City assessment roll, as of April 14, 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 LADD ST, SPRINGFIELD, MA 01109-3307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2019	Quit Claim Deed, Transfer · FHA Mortgage INLAND BK&TR
Sep 25, 2018	Foreclosure

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Nov 1, 2018 · Amount on Record
Deed Document Number	201950535
Deed Book / Page	22837 / 339
Record Updated	Sep 20, 2026

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 4, 2019
Property Address	45 LADD ST, SPRINGFIELD, MA 01109-3307
Document Number	22837-339
Book / Page	022837 / 000339
Instrument Date	Sep 3, 2019
Instrument	50535
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$683.55
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LEYFRED TER SPRINGFIELD MA 011081104, SPRINGFIELD, MA 01108-1104

Mortgage

Document Number	22837-341
Date	Sep 4, 2019
Book Page	022837/000341
Instrument	50536

Lender

Name	INLAND BK&TR
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2049

Mortgage

Document Number	22837-353,
Date	Sep 4, 2019
Book Page	022837/000353
Instrument	50537

Lender

Name	INLAND BK&TR
Type	Bank

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Sep 3, 2029

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 25, 2018
Property Address	45 LADD ST, SPRINGFIELD, MA 01109-3307
Document Number	22374-68
Book / Page	022374 / 000068
Instrument Date	Sep 12, 2018
Instrument	57415
Transaction Type	Foreclosure
Record Updated	Jan 16, 2019

Transaction

Amount	Amount Recorded
Tax	$334.92
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8742 LUCENT BLVD #300 HIGHLANDS RANCH CO 801292386, 300, HIGHLANDS RANCH, CO 80129-2386

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	$3,379.00 (+13.62%)	$215,500 (+23.57%) Land $23,400 Building $192,100	$251,275 (-1.53%)
2024			$255,170
2023	$2,974.00	$174,400 Land $20,800 Building $153,600

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	Low lower than 99.1% of the US · lower than 98.7% of Massachusetts
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 555 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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