685 State St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 685 State St, Springfield, MA 01109

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	20 bd · 2.5 ba · 20,487 sqft · built 1895
Lot Size	0.173 acres (7,532 sqft)
Owner	Company Name on Record
Last Sale	$1,410,000 (Oct 2024)
Deeds & Mortgages	Sep 2021 Refinance Oct 2023 Sale & Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:11110 P:0516`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:11110 P:0516`
Alternative APN	`111100516`

Interior

Bedrooms	20 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Units	22 Units
Stories	4 Stories
Building Area	20,487 sqft Gross Area
Basement Area	2,840 sqft
Unfinished Basement	2,840 sqft

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Wood Siding
Lot Area	7,532 sqft (0.173 acres)

Utilities, Heating & Cooling

Heating System	Steam

Location & Zoning

Account Number	111100516
Street Address	685 STATE ST
City	SPRINGFIELD
State	MA
Zip	01109-4118
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	B1
Legal Subdivision	SPRINGFIELD
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	1
Census Block	1006
Census Tract	801800

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	Company Name on Record
Mailing Address	194 ROBERT ST, WESTPORT, MA 02790-4952
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COREVEST AMERICAN FINANCE
Oct 27, 2023	Quit Claim Deed, Construction Loan · Construction Mortgage CHELSEA GROTON BANK
Sep 15, 2021	Quit Claim Deed, Transfer · Stand-Alone Refinance COREVEST AMERICAN FINANCE
Aug 31, 2020	Quit Claim Deed, Transfer · Stand-Alone First Mortgage YMK INVESTMENTS LLC
Aug 17, 2017	Quit Claim Deed, Transfer · Commercial Mortgage GREENFIELD CP BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2024 · Amount on Record
Deed Sale	Oct 28, 2024 · Amount on Record
Prior Sale	Oct 27, 2023 · Amount on Record
Deed Book / Page	25627 / 103
Prior Transfer Date	Sep 14, 2021
Prior Transfer Doc	24122-163
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	685 STATE ST, SPRINGFIELD, MA 01109-4118
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024122-168
Date	Sep 15, 2021
Book Page	24122/168
Instrument	64955

Lender

Name	COREVEST AMERICAN FINANCE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2023: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Oct 27, 2023
Property Address	685 STATE ST, SPRINGFIELD, MA 01109-4118
Document Number	025205-481
Book / Page	25205 / 481
Instrument Date	Oct 26, 2023
Instrument	51095
Transaction Type	Construction Loan
Record Updated	Nov 10, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	268 COLD SPRING AVE # B, B, WEST SPRINGFIELD, MA 01089-3465
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051096
Date	Oct 27, 2023
Instrument	51096

Lender

Name	CHELSEA GROTON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Sep 15, 2021
Property Address	685 STATE ST, SPRINGFIELD, MA 01109-4118
Document Number	24122-163
Book / Page	24122 / 163
Instrument Date	Sep 14, 2021
Instrument	64954
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2110 W COUNTY LINE RD, JACKSON, NJ 08527-2049

Mortgage

Document Number	24122-168
Date	Sep 15, 2021
Book Page	24122/168
Instrument	64955

Lender

Name	COREVEST AMERICAN FINANCE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Aug 31, 2020
Property Address	685 STATE ST, SPRINGFIELD, MA 01109-4118
Document Number	23396-574
Book / Page	23396 / 574
Instrument Date	Aug 7, 2020
Instrument	48817
Transaction Type	Transfer
Record Updated	May 11, 2021

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	777 CHESTNUT RIDGE RD STE 301, 301, CHESTNUT RIDGE, NY 10977-6221

Mortgage

Document Number	48818
Date	Aug 31, 2020
Instrument	48818

Lender

Name	YMK INVESTMENTS LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Aug 17, 2017
Property Address	685 STATE ST, SPRINGFIELD, MA 01109-4118
Document Number	21816-362
Book / Page	21816 / 362
Instrument	47784
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount Recorded
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	685 STATE ST, SPRINGFIELD, MA 01109-4118

Mortgage

Document Number	218160365
Date	Aug 17, 2017
Instrument	21816/0365

Lender

Name	GREENFIELD CP BK

Agreement

Type	Commercial 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	Assessed Value	Assessed Market Value
2025	$1,180,200 (+36.08%) Land $225,000 Building $955,200	$1,341,875 (+3.11%)
2024		$1,301,405
2023	$867,300 Land $136,500 Building $730,800

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	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 421 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: T-Mobile.

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