464 Springfield St, Wilbraham, MA 01095 Property Records

Hampden County and Wilbraham Town property record for 464 Springfield St, Wilbraham, MA 01095

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,322 sqft · built 1946
Lot Size	0.918 acres (40,000 sqft)
Owner	2 Individual Names on File
Last Sale	$297,000 (Sep 2018)
Tax Bill	$8,109 (2026)
Deeds & Mortgages	May 2026 Line of Credit May 2021 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`MAP 27`

Property Details

APN / Parcel Number

Primary APN	`MAP 27`
Alternative APN	`WILB M:11050 B:212 L:4595`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,322 sqft Living Area
Gross Area	5,897 sqft
1st Floor Area	1,632 sqft
Basement Area	1,488 sqft
Unfinished Basement	1,488 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Asphalt
Lot Area	40,000 sqft (0.918 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	MAP 27
Street Address	464 SPRINGFIELD ST
City	WILBRAHAM
State	MA
Zip	01095-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R26
Legal Subdivision	PLAN 11956-F
Legal Block	212
Legal Lot Number	4595
Jurisdiction	WILBRAHAM MA
Township / Civil Division	WILBRAHAM
Census Block Group	2
Census Block	2008
Census Tract	813602

Owner

464 Springfield St is owned and occupied by two individuals who bought it in September 2018.

Source: Hampden County and Wilbraham Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
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
May 13, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
May 18, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Sep 26, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Sep 14, 2018	Quit Claim Deed, Transfer · VA Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2018 · Amount on File
Deed Sale	Sep 14, 2018 · Amount on File
Prior Sale	Apr 24, 1998 · Amount on File
Deed Document Number	2018215829
Transfer Doc	0000215829
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Recording Date	May 13, 2026
Property Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Document Number	0000242770
Instrument Date	May 4, 2026
Instrument	2026242770
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Investor	Possibly a Property Investor

Mortgage

Document Number	0000242770,
Date	May 13, 2026
Instrument	2026242770

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Jun 1, 2066

Interest

Rate	6.46%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000226242
Date	May 18, 2021
Instrument	226242

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Transaction Type	Mortgage
Record Updated	Jun 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	226242
Date	May 18, 2021
Instrument	226242

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WILBRAHAM MA
Property Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Document Number	0000219824
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	464 SPRINGFIELD ST WILBRAHAM MA 010951937, WILBRAHAM, MA 01095-1937

Mortgage

Document Number	0000219824
Date	Oct 11, 2019
Instrument	219824

Lender

Name	PENNYMAC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 10, 2049

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WILBRAHAM MA
Recording Date	Sep 14, 2018
Property Address	464 SPRINGFIELD ST, WILBRAHAM, MA 01095-1937
Document Number	0000215829
Instrument Date	Sep 10, 2018
Instrument	215829
Transaction Type	Transfer
Record Updated	Oct 2, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,381.05
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	243 CAMBRIA ST SPRINGFIELD MA 01118, SPRINGFIELD, MA 01118

Mortgage

Document Number	215830
Date	Sep 14, 2018
Instrument	215830

Lender

Name	ACADEMY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 13, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 464 Springfield St was $8,109, up 2.3% from the year before.

Source: Hampden County and Wilbraham Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Hampden County
County Subdivision	Wilbraham Town
Unified School District	Hampden-Wilbraham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,109.00 (+2.31%)	$464,700 (+4.83%) Land $86,400 Building $378,300	$476,201 (-2.25%)
2025	$7,926.00 (+9.1%)	$443,300 (+12.89%) Land $86,400 Building $356,900	$487,160 (+15.47%)
2024	$7,265.00 (+6.56%)	$392,700 (+7.71%) Land $86,400 Building $306,300	$421,895
2023	$6,818.00	$364,600 Land $86,400 Building $278,200

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

Flood

FEMA maps place 464 Springfield St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	2 in force
Nearby Flood Claims	4 (1978–2005)
Most Recent Claim	Oct 2005 · Severe Storms And Flooding

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

Wildfire risk around 464 Springfield St is low, with 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 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	WILBRAHAM WATER DEPT (MWRA) serves 8,533 people · EPA ID MA1339000
Water Source	Purchased surface water from MWRA
Last State Inspection	Jun 2025
Lead	6 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment Oct 2018
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

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