Hampden County and Springfield City property record for 515 Bay St, Springfield, MA 01109
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,050 sqft · built 1941 |
| Lot Size | 0.436 acres (19,001 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Mar 2021) |
| Tax Bill | $4,217 (2026) |
| Deeds & Mortgages | Jul 2022 Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:01085 P:0360 |
| Primary APN | SPRI S:01085 P:0360 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,050 sqft Living Area |
| 1st Floor Area | 875 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Colonial |
| Exterior Material | Brick |
| Lot Area | 19,001 sqft (0.436 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | 10850360 |
|---|---|
| Street Address | 515 BAY ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01109-2907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Subdivision | RIDGEWOOD VILLAGE |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 801401 |
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 | 515 BAY ST, SPRINGFIELD, MA 01109-2907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Mar 8, 2021 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 1, 2017 | Warranty Deed, Transfer BOSTON PRIVATE BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 8, 2021 · Amount on Record |
| Deed Sale | Mar 8, 2021 · Amount on Record |
| Prior Sale | Jun 1, 2017 · Amount on Record |
| Deed Document Number | 202115588 |
| Deed Book / Page | 23749 / 98 |
| Transfer Doc | 1119000102 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 515 BAY ST, SPRINGFIELD, MA 01109-2907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 024632-330 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 24632/330 |
| Instrument | 41723 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Mar 8, 2021 |
| Property Address | 515 BAY ST, SPRINGFIELD, MA 01109-2907 |
| Document Number | 23749-98 |
| Book / Page | 23749 / 98 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 15588 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 229 WHITE ST, SPRINGFIELD, MA 01108-2113 |
| Document Number | 15589 |
|---|---|
| Date | Mar 8, 2021 |
| Instrument | 15589 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Jun 1, 2017 |
| Property Address | 515 BAY ST, SPRINGFIELD, MA 01109-2907 |
| Document Number | 21706-471 |
| Book / Page | 21706 / 471 |
| Instrument | 30433 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $26.42 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 BAY ST, SPRINGFIELD, MA 01109-2907 |
| Document Number | 217060474 |
|---|---|
| Date | Jun 1, 2017 |
| Instrument | 21706/0474 |
| Name | BOSTON PRIVATE BANK & TRUST |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,217.00 (+8.74%) | $272,800 (+10.31%) Land $32,900 Building $239,900 | $301,298 (+8.1%) |
| 2025 | $3,878.00 (+12.54%) | $247,300 (+22.37%) Land $32,900 Building $214,400 | $278,730 (+13.77%) |
| 2024 | $245,005 | ||
| 2023 | $3,446.00 | $202,100 Land $31,400 Building $170,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 366 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable · Fiber in parts of the area | 2,000 / 250 |
| Verizon Fixed Wireless | 1,000 / 75 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures