45 Penrose St, Springfield, MA 01109 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 998 sqft · built 1950
Lot Size	0.115 acres (5,001 sqft)
Owner	Individual Name on Record
Last Sale	$67,000 (May 2009)
Tax Bill	$3,853 (2026)
Deeds & Mortgages	Feb 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:09640 P:0066`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:09640 P:0066`
Alternative APN	`96400066`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	998 sqft Living Area
1st Floor Area	832 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	5,001 sqft (0.115 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	96400066
Street Address	45 PENROSE ST
City	SPRINGFIELD
State	MA
Zip	01109-1830
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4013
Census Tract	801501

Owner

Source: Hampden County and Springfield City records, as of October 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 PENROSE ST, SPRINGFIELD, MA 01109-1830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2009 · Amount on Record
Deed Sale	May 1, 2009 · Amount on Record
Prior Sale	Feb 27, 2009 · Amount on Record
Deed Document Number	200993
Deed Book / Page	17771 / 201
Transfer Doc	17666-558
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	45 PENROSE ST, SPRINGFIELD, MA 01109-1830
Transaction Type	Mortgage
Record Updated	Mar 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024403-154
Date	Feb 14, 2022
Book Page	24403/154
Instrument	9233

Lender

Name	GREATER SPRINGFIELD CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

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	$3,853.00 (+7.39%)	$249,200 (+8.92%) Land $43,000 Building $206,200	$256,575 (+6.04%)
2025	$3,588.00 (+12.3%)	$228,800 (+22.09%) Land $39,000 Building $189,800	$241,965 (+7.02%)
2024			$226,100
2023	$3,195.00	$187,400 Land $29,500 Building $157,900

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75
AT&T Fixed Wireless	100 / 20