48 Carlisle St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 48 Carlisle St, Springfield, MA 01109

Property Summary

Property Type	Duplex
Details	7 bd · 2.5 ba · 2,416 sqft · built 1913
Lot Size	0.115 acres (5,005 sqft)
Owner	Individual Name on File
Last Sale	$179,000 (May 2020)
Tax Bill	$4,278 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:02370 P:0010`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:02370 P:0010`
Alternative APN	`23700010`

Interior

Bedrooms	7 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,416 sqft Living Area
1st Floor Area	1,098 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	5,005 sqft (0.115 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	23700010
Street Address	48 CARLISLE ST
City	SPRINGFIELD
State	MA
Zip	01109-2807
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	4
Census Block	4004
Census Tract	801700

Owner

48 Carlisle St, a duplex, is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
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
Oct 22, 2025	Deed of Trust, Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 5, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 13, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
May 29, 2020	Quit Claim Deed, Transfer · FHA Mortgage INLAND BANK & TRUST
Nov 4, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2020 · Amount on File
Deed Sale	May 29, 2020 · Amount on File
Prior Sale	Oct 22, 2004 · Amount on File
Deed Document Number	202027590
Deed Book / Page	23235 / 577
Prior Transfer Date	Apr 27, 2020
Prior Transfer Doc	0000027590
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026079-246
Date	Oct 22, 2025
Book Page	26079/246
Instrument	50501

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Amount	Amount on Record
Term	481 Months
Due	Nov 1, 2065

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025282-532
Date	Jan 5, 2024
Book Page	25282/532
Instrument	716

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Feb 1, 2050

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
Transaction Type	Mortgage
Record Updated	Dec 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24057-404
Date	Aug 13, 2021
Book Page	24057/404
Instrument	56602

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Sep 1, 2050

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 29, 2020
Property Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
Document Number	23235-577
Book / Page	23235 / 577
Instrument Date	Apr 27, 2020
Instrument	27590
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	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807

Mortgage

Document Number	27591
Date	May 29, 2020
Instrument	27591

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Nov 4, 2019
Property Address	48 CARLISLE ST, SPRINGFIELD, MA 01109-2807
Document Number	22936-168
Book / Page	022936 / 000168
Instrument Date	Oct 3, 2019
Instrument	64623
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	71 FARNHAM ST LAWRENCE MA 018431522, LAWRENCE, MA 01843-1522

Tax Assessment & Valuation

The 2026 property tax bill for 48 Carlisle St was $4,278, up 7.3% 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	$4,278.00 (+7.3%)	$276,700 (+8.81%) Land $48,700 Building $228,000	$315,865
2025	$3,987.00	$254,300 Land $30,000 Building $224,300
2023	$3,205.00	$188,000 Land $27,300 Building $160,700

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

Flood

FEMA maps place 48 Carlisle 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

Wildfire risk around 48 Carlisle 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 96% of the US · lower than 92% of Massachusetts
Wildfire Likelihood	Under 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	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 782 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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