48 Saint James Cir, Springfield, MA 01104 Property Records

Hampden County and Springfield City property record for 48 Saint James Cir, Springfield, MA 01104

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1929
Lot Size	0.099 acres (4,299 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Apr 2014)
Tax Bill	$3,299 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:11174 P:0010`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:11174 P:0010`
Alternative APN	`111740010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
1st Floor Area	700 sqft
Basement Area	190 sqft
Unfinished Basement	190 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	4,299 sqft (0.099 acres)

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	111740010
Street Address	48 SAINT JAMES CIR
City	SPRINGFIELD
State	MA
Zip	01104-2958
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	4017
Census Tract	800201

Owner

Source: Hampden County and Springfield City records, as of July 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	48 SAINT JAMES CIR, SPRINGFIELD, MA 01104-2958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 13, 2024	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK
Aug 2, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2014 · Amount on Record
Deed Sale	Apr 18, 2014 · Amount on Record
Prior Sale	Sep 21, 2011 · Amount on Record
Deed Book / Page	20253 / 275
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 SAINT JAMES CIR, SPRINGFIELD, MA 01104-2958
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024036-531
Date	Aug 2, 2021
Book Page	24036/531
Instrument	53882

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 SAINT JAMES CIR, SPRINGFIELD, MA 01104-2958
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025690-274
Date	Dec 13, 2024
Book Page	25690/274
Instrument	58660

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	48 SAINT JAMES CIR, SPRINGFIELD, MA 01104-2958
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24036-531
Date	Aug 2, 2021
Book Page	24036/531
Instrument	53882

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

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
2025	$3,299.00 (+13.96%)	$210,400 (+23.91%) Land $36,300 Building $174,100	$298,870 (+12.48%)
2024			$265,715
2023	$2,895.00	$169,800 Land $33,800 Building $136,000

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: Verizon.

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