45 Pearl St, Springfield, MA 01103 Property Records

Hampden County and Springfield City property record for 45 Pearl St, Springfield, MA 01103

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	8 bd · 2 ba · 7,588 sqft · built 1897
Lot Size	0.17 acres (7,396 sqft)
Owner	Company Name on Record
Last Sale	$20,432,267 (Jul 2024)
Tax Bill	$9,174 (2026)
Deeds & Mortgages	Jan 2021 Refinance Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:09585 P:0126`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:09585 P:0126`
Alternative APN	`95850126`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Units	11 Units
Stories	3 Stories
Building Area	7,588 sqft Gross Area
Basement Area	1,360 sqft

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Exterior Material	Wood Siding
Lot Area	7,396 sqft (0.17 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	95850126
Street Address	45 PEARL ST
City	SPRINGFIELD
State	MA
Zip	01103-1574
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	B1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3011
Census Tract	801200

Owner

Source: Hampden County and Springfield City records, as of October 20, 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	Company Name on Record
Mailing Address	38 WELCH RD, BROOKLINE, MA 02445-7526
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CAPITAL ONE BANK NA
Jan 8, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2024 · Amount on Record
Deed Sale	Jul 22, 2024 · Amount on Record
Prior Sale	Mar 8, 2000 · Amount on Record
Deed Document Number	202432556
Deed Book / Page	25501 / 255
Prior Transfer Date	Jun 28, 2024
Prior Transfer Doc	025501-255
Record Updated	Oct 29, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	45 PEARL ST, SPRINGFIELD, MA 01103-1574
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	224707
Date	Jan 8, 2021
Instrument	224707

Lender

Name	CAPITAL ONE BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 8, 2021
Property Address	45 PEARL ST, SPRINGFIELD, MA 01103-1574
Document Number	23638-217
Book / Page	23638 / 217
Instrument Date	Nov 17, 2020
Instrument	1691
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2110 W COUNTRY LINE RD, JACKSON, NJ 08527-2049

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	$9,174.00	$593,400 (+13.53%) Land $71,800 Building $521,600	$266,888 (-65.55%)
2025		$522,700 (+29.29%) Land $71,800 Building $450,900	$774,630 (-)
2024			$774,630
2023		$404,300 Land $65,200 Building $339,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: AT&T, T-Mobile, Verizon.

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