523 White St, Springfield, MA 01108 Property Records

Hampden County and Springfield City property record for 523 White St, Springfield, MA 01108

Property Summary

Property Type	Duplex
Details	7 bd · 3 ba · 3,251 sqft · built 1912
Lot Size	0.122 acres (5,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$390,000 (Jan 2024)
Tax Bill	$5,083 (2026)
Deeds & Mortgages	Feb 2026 Transfer Feb 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:12220 P:0203`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:12220 P:0203`
Alternative APN	`122200203`

Interior

Bedrooms	7 Beds
Full Baths	3 Baths
Total Rooms	15 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,251 sqft Living Area
1st Floor Area	1,275 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	5,301 sqft (0.122 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	122200203
Street Address	523 WHITE ST
City	SPRINGFIELD
State	MA
Zip	01108-3227
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	2
Census Block	2006
Census Tract	802601

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Quit Claim Deed, Transfer Quitclaim
Feb 15, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FLEET MORTGAGE
Jan 8, 2024	Quit Claim Deed, Transfer · FHA Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2024 · Amount on Record
Deed Sale	Jan 8, 2024 · Amount on Record
Prior Sale	Jan 6, 1999 · Amount on Record
Deed Document Number	2024893
Deed Book / Page	25284 / 54
Last Transfer Date	Jan 3, 2026
Transfer Doc	026210-159
Record Updated	Oct 29, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Feb 5, 2026
Property Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227
Document Number	026210-159
Book / Page	26210 / 159
Instrument Date	Jan 3, 2026
Instrument	5167
Transaction Type	Transfer
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025321-313
Date	Feb 15, 2024
Book Page	25321/313
Instrument	6536

Lender

Name	FLEET MORTGAGE
Type	Mortgage Company

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	49 Months
Due	Mar 1, 2028

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jan 8, 2024
Property Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227
Document Number	0025284-54
Book / Page	25284 / 54
Instrument Date	Jan 5, 2024
Instrument	893
Transaction Type	Transfer
Record Updated	Jan 26, 2024

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
Address	523 WHITE ST, SPRINGFIELD, MA 01108-3227

Mortgage

Document Number	0000000894
Date	Jan 8, 2024
Instrument	894

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

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	$5,083.00 (+7.94%)	$328,800 (+9.49%) Land $51,000 Building $277,800	$393,839
2025	$4,709.00 (+6.56%)	$300,300 (+15.86%) Land $37,200 Building $263,100
2023	$4,419.00	$259,200 Land $35,500 Building $223,700

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

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

May also be available: AT&T, Verizon.

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