46 Pheland St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 46 Pheland St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,260 sqft · built 1942
Lot Size	0.121 acres (5,249 sqft)
Owner	Individual Name on File
Last Sale	$161,000 (Feb 2019)
Tax Bill	$4,262 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:09670 P:0009`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:09670 P:0009`
Alternative APN	`96700009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
1st Floor Area	720 sqft
Game Room	Game Room

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	5,249 sqft (0.121 acres)
Garage Type	Detached
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	96700009
Street Address	46 PHELAND ST
City	SPRINGFIELD
State	MA
Zip	01109-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2002
Census Tract	801501

Owner

46 Pheland St is owned and occupied by an individual who bought it in February 2019.

Source: Hampden County and Springfield City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	46 PHELAND ST, SPRINGFIELD, MA 01109-1318
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Feb 15, 2019	Quit Claim Deed, Transfer · Stand-Alone First Mortgage HARBORONE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 15, 2019 · Amount on File
Deed Sale	Feb 15, 2019 · Amount on File
Prior Sale	Apr 2, 1997 · Amount on File
Deed Document Number	20198370
Deed Book / Page	22557 / 362
Prior Transfer Date	Feb 7, 2019
Prior Transfer Doc	22557-362
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	46 PHELAND ST, SPRINGFIELD, MA 01109-1318
Transaction Type	Mortgage
Record Updated	Apr 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23800-507
Date	Apr 1, 2021
Book Page	23800/507
Instrument	22239

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	May 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	46 PHELAND ST, SPRINGFIELD, MA 01109-1318
Transaction Type	Mortgage
Record Updated	Mar 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23081-422
Date	Feb 11, 2020
Book Page	23081/422
Instrument	7510

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2049

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Feb 15, 2019
Property Address	46 PHELAND ST, SPRINGFIELD, MA 01109-1318
Document Number	22557-362
Book / Page	22557 / 362
Instrument Date	Feb 7, 2019
Instrument	8370
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	80 RIFLE ST # F, F, SPRINGFIELD, MA 01105-1632

Mortgage

Document Number	8371
Date	Feb 15, 2019
Instrument	8371

Lender

Name	HARBORONE MORTGAGE

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 46 Pheland St was $4,262, up 14% from the year before.

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	$4,262.00 (+14.02%)	$275,700 (+15.65%) Land $43,400 Building $232,300	$275,282 (+2.57%)
2025	$3,738.00	$238,400 Land $39,300 Building $199,100	$268,375 (+6.52%)
2024			$251,940
2023	$3,494.00	$204,900 Land $29,800 Building $175,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 46 Pheland 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

The area around 46 Pheland St has no burnable land within ember reach, so its wildfire risk is not rated.

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 709 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

May also be available: GoNetspeed.

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