5 Kay St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 5 Kay St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1955
Lot Size	0.26 acres (11,308 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Apr 2020)
Tax Bill	$3,938 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:07189 P:0022`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:07189 P:0022`
Alternative APN	`71890022`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,308 sqft (0.26 acres)
Garage Type	Carport
Carport	Carport
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	71890022
Street Address	5 KAY ST
City	SPRINGFIELD
State	MA
Zip	01109-1310
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	2008
Census Tract	801501

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	2 Individual Names on Record
Mailing Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DISCOVER BANK
Jul 8, 2020	Quit Claim Deed, Transfer · FHA Mortgage ACADEMY MTG
Jun 19, 2019	Deed of Trust, Mortgage · Conventional with PMI FLORENCE BK
May 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 6, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Prior Sale	May 3, 2019 · Amount on Record
Deed Document Number	202017971
Deed Book / Page	23159 / 456
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Transaction Type	Mortgage
Record Updated	May 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024978-89
Date	Apr 21, 2023
Book Page	24978/89
Instrument	17876

Lender

Name	DISCOVER BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 8, 2020
Property Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Document Number	23159-456
Book / Page	023159 / 000456
Instrument Date	Apr 7, 2020
Instrument	17971
Transaction Type	Transfer
Record Updated	Jun 24, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$884.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 MEADOW BROOK RD #130 ELLINGTON CT 060292244, 130, ELLINGTON, CT 06029-2244

Mortgage

Document Number	23302-23
Date	Jul 8, 2020
Book Page	023302/000023
Instrument	36464

Lender

Name	ACADEMY MTG
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 7, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Document Number	22716-147
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	141 HAYNES RD SPRINGFIELD MA 01109, SPRINGFIELD, MA 01109

Mortgage

Document Number	22716-147
Date	Jun 19, 2019
Book Page	022716/000147
Instrument	32806

Lender

Name	FLORENCE BK

Agreement

Type	Conventional with PMI
Amount	Amount Recorded

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	May 3, 2019
Property Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Document Number	22651-527
Book / Page	022651 / 000527
Instrument Date	May 1, 2019
Instrument	22951
Transaction Type	Transfer
Record Updated	May 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$534.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	141 HAYNES RD AVON CT 060012928, AVON, CT 06001-2928

September 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 6, 2018
Property Address	5 KAY ST, SPRINGFIELD, MA 01109-1310
Document Number	22347-243
Book / Page	022347 / 000243
Instrument Date	Jul 3, 2018
Instrument	53394
Transaction Type	Foreclosure
Record Updated	Sep 27, 2018

Transaction

Amount	Amount Recorded
Tax	$381.30
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 81185 SPRINGFIELD MA 011381185, SPRINGFIELD, MA 01138-1185

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	$3,938.00 (-10.07%)	$254,700 (-8.81%) Land $46,400 Building $208,300	$327,193 (+25.15%)
2025	$4,379.00 (+27.85%)	$279,300 (+39.02%) Land $42,100 Building $237,200	$261,440 (-6.46%)
2024			$279,490
2023	$3,425.00	$200,900 Land $31,900 Building $169,000

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	Low lower than 96% of the US · lower than 92% 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 283 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: GoNetspeed.

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