47 Ladd St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 47 Ladd St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,172 sqft · built 1905
Lot Size	0.078 acres (3,398 sqft)
Owner	Individual Name on Record
Tax Bill	$3,219 (2026)
Deeds & Mortgages	Dec 2020 Line of Credit Aug 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07425 P:0009`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07425 P:0009`
Alternative APN	`74250009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,172 sqft Living Area
1st Floor Area	586 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 2010
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	3,398 sqft (0.078 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	74250009
Street Address	47 LADD ST
City	SPRINGFIELD
State	MA
Zip	01109-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3004
Census Tract	801800

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	47 LADD ST, SPRINGFIELD, MA 01109-3307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2020	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK OF RHODE ISLAND
Aug 6, 2018	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Dec 22, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2017
Deed Sale	Dec 22, 2017
Prior Sale	Mar 11, 2011 · Amount on Record
Deed Document Number	201776291
Deed Book / Page	22001 / 293
Transfer Doc	18290-322
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	47 LADD ST, SPRINGFIELD, MA 01109-3307
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23580-104
Date	Dec 9, 2020
Book Page	23580/104
Instrument	73194

Lender

Name	CITIZENS BANK OF RHODE ISLAND
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

Interest

Rate Type	Adjustable Rate

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	47 LADD ST, SPRINGFIELD, MA 01109-3307
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	22301-109
Date	Aug 6, 2018
Book Page	22301/109
Instrument	46122

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Dec 22, 2017
Property Address	47 LADD ST, SPRINGFIELD, MA 01109-3307
Document Number	22001-293
Book / Page	022001 / 000293
Instrument Date	Nov 30, 2017
Instrument	76291
Transaction Type	Transfer
Record Updated	Jan 11, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	47 LADD ST SPRINGFIELD MA 011093307, SPRINGFIELD, MA 01109-3307

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	$3,219.00 (+3.91%)	$208,200 (+5.36%) Land $22,400 Building $185,800	$233,915 (+6.13%)
2025	$3,098.00 (+44.7%)	$197,600 (+57.32%) Land $23,200 Building $174,400	$220,400 (-0.43%)
2024			$221,350
2023	$2,141.00	$125,600 Land $20,700 Building $104,900

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 · 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	1 in force

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

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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