Hampden County and Springfield City property record for 45 Penacook St, Springfield, MA 01104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1956 |
| Lot Size | 0.124 acres (5,415 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $300,000 (Jul 2025) |
| Tax Bill | $4,112 (2026) |
| Deeds & Mortgages | Jul 2025 Sale & Mortgage Dec 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:09625 P:0029 |
| Primary APN | SPRI S:09625 P:0029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,415 sqft (0.124 acres) |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Account Number | 96250029 |
|---|---|
| Street Address | 45 PENACOOK ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01104-1953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 800400 |
45 Penacook St is owned and occupied by two individuals who bought it in July 2025.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 PENACOOK ST, SPRINGFIELD, MA 01104-1953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jul 28, 2025 | Quit Claim Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE |
| Dec 5, 2024 | Quit Claim Deed, Transfer · Stand-Alone First Mortgage COMMERCIAL LENDER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2025 · Amount on File |
| Deed Sale | Jul 28, 2025 · Amount on File |
| Prior Sale | Dec 5, 2024 · Amount on File |
| Deed Document Number | 202534283 |
| Deed Book / Page | 25959 / 511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Jul 28, 2025 |
| Property Address | 45 PENACOOK ST, SPRINGFIELD, MA 01104-1953 |
| Document Number | 025959-511 |
| Book / Page | 25959 / 511 |
| Instrument Date | Jul 28, 2025 |
| Instrument | 34283 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 PENACOOK ST, SPRINGFIELD, MA 01104-1953 |
| Document Number | 0000034284 |
|---|---|
| Date | Jul 28, 2025 |
| Instrument | 34284 |
| Name | PRIMARY RESIDENTIAL MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Dec 5, 2024 |
| Property Address | 45 PENACOOK ST, SPRINGFIELD, MA 01104-1953 |
| Document Number | 025681-331 |
| Book / Page | 25681 / 331 |
| Instrument Date | Dec 5, 2024 |
| Instrument | 57419 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 55 BELLEVUE AVE, SPRINGFIELD, MA 01108-1741 |
| Document Number | 0000057420 |
|---|---|
| Date | Dec 5, 2024 |
| Instrument | 57420 |
| Name | COMMERCIAL LENDER LLC |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 45 Penacook St was $4,112, up 57.7% from the year before.
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,112.00 (+57.67%) | $266,000 (+59.95%) Land $36,300 Building $229,700 | $257,064 (-9.14%) |
| 2025 | $2,608.00 | $166,300 Land $37,800 Building $128,500 | $282,910 (+66.65%) |
| 2024 | $169,765 | ||
| 2023 | $2,445.00 | $143,400 Land $33,400 Building $110,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 45 Penacook St in Zone X, an area of minimal flood risk.
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 risk around 45 Penacook St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 730 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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