51 Elaine Cir, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 51 Elaine Cir, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,556 sqft · built 2020
Lot Size	0.215 acres (9,370 sqft)
Owner	2 Individual Names on Record
Last Sale	$565,000 (Sep 2026)
Tax Bill	$8,617 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:04470 P:0070`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:04470 P:0070`
Alternative APN	`44700070`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,556 sqft Living Area
1st Floor Area	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	9,370 sqft (0.215 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44700070
Street Address	51 ELAINE CIR
City	SPRINGFIELD
State	MA
Zip	01109-1205
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3002
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	66 HILLSIDE AVE, WEST SPRINGFIELD, MA 01089-2824
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Deed of Trust, Mortgage · FHA Mortgage RADIUS FINANCIAL GROUP INC
Sep 14, 2026	Warranty Deed, Transfer · FHA Mortgage RADIUS FINANCIAL GROUP INC
Jun 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage EVOLVE BANK & TRUST
Dec 11, 2020	Warranty Deed, Transfer · VA Mortgage CROSS CNTRY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jun 14, 2021 · Amount on Record
Deed Document Number	202644781
Deed Book / Page	26507 / 544
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 14, 2026
Property Address	51 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	0000044782
Book / Page	26507 / 546
Instrument Date	Sep 1, 2026
Instrument	202644782
Transaction Type	Mortgage
Record Updated	Oct 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship, 153
Address	51 ELAINE CIR, SPRINGFIELD, MA 01109-1205

Mortgage

Document Number	0000044782,
Date	Sep 14, 2026
Book Page	26507/546
Instrument	202644782

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 14, 2026
Property Address	51 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	0000044781
Book / Page	26507 / 544
Instrument Date	Sep 1, 2026
Instrument	202644781
Transaction Type	Transfer
Record Updated	Oct 6, 2026

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	66 HILLSIDE AVE, WEST SPRINGFIELD, MA 01089-2824

Mortgage

Date	Sep 14, 2026

Lender

Name	RADIUS FINANCIAL GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jun 14, 2021
Property Address	51 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	023937-397
Book / Page	23937 / 397
Instrument Date	Jun 14, 2021
Instrument	40480
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	110 JOBS HILL RD, ELLINGTON, CT 06029-3308

Mortgage

Document Number	0000040481
Date	Jun 14, 2021
Instrument	40481

Lender

Name	EVOLVE BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Dec 11, 2020
Property Address	51 ELAINE CIR, SPRINGFIELD, MA 01109-1205
Document Number	23587-4
Book / Page	023587 / 000004
Instrument Date	Oct 22, 2020
Instrument	74298
Transaction Type	Transfer
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,814.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 ELAINE CIR SPRINGFIELD MA 011091205, SPRINGFIELD, MA 01109-1205

Mortgage

Document Number	23587-6
Date	Dec 11, 2020
Book Page	023587/000006
Instrument	74299

Lender

Name	CROSS CNTRY MTG
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

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	$8,617.00 (+6.98%)	$557,400 (+8.51%) Land $45,700 Building $511,700	$549,836 (-0.71%)
2025	$8,055.00 (+15.17%)	$513,700 (+25.23%) Land $41,500 Building $472,200	$553,755 (-6.65%)
2024			$593,180
2023	$6,994.00	$410,200 Land $31,400 Building $378,800

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

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	1,000 / 75

May also be available: Aervivo.

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