88 Melrose St, Springfield, MA 01109 Property Records

Hampden County and Springfield City property record for 88 Melrose St, Springfield, MA 01109

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,064 sqft · built 1980
Lot Size	0.144 acres (6,251 sqft)
Owner	Individual Name on File
Last Sale	$150,000 (Jul 2019)
Tax Bill	$3,262 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Jan 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:08520 P:0013`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:08520 P:0013`
Alternative APN	`85200013`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,251 sqft (0.144 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	85200013
Street Address	88 MELROSE ST
City	SPRINGFIELD
State	MA
Zip	01109-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3014
Census Tract	801800

Owner

88 Melrose St is owned and occupied by an individual who bought it in July 2019.

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	Individual Name on File
Mailing Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jan 11, 2024	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT
May 19, 2022	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Apr 6, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jul 31, 2019	Quit Claim Deed, Transfer · FHA Mortgage BERKSHIRE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2019 · Amount on File
Deed Sale	Jul 31, 2019 · Amount on File
Prior Sale	Sep 9, 1994 · Amount on File
Deed Document Number	201942625
Deed Book / Page	22783 / 188
Prior Transfer Date	Jul 30, 2019
Prior Transfer Doc	0000042625
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	026078-344
Date	Oct 22, 2025
Book Page	26078/344
Instrument	50384

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2051

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Transaction Type	Mortgage
Record Updated	Jan 26, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025287-222
Date	Jan 11, 2024
Book Page	25287/222
Instrument	1380

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Feb 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Transaction Type	Mortgage
Record Updated	Aug 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024226-440
Date	Nov 4, 2021
Book Page	24226/440
Instrument	78538

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024553-229
Date	May 19, 2022
Book Page	24553/229
Instrument	30393

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jun 1, 2051

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	024962-597
Date	Apr 6, 2023
Book Page	24962/597
Instrument	15612

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	337 Months
Due	May 1, 2051

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 31, 2019
Property Address	88 MELROSE ST, SPRINGFIELD, MA 01109-3724
Document Number	22783-188
Book / Page	22783 / 188
Instrument Date	Jul 30, 2019
Instrument	42625
Transaction Type	Transfer
Record Updated	May 11, 2021

Transaction

Amount	Amount on Record
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	40 LEXINGTON ST, SPRINGFIELD, MA 01107-1715

Mortgage

Document Number	42626
Date	Jul 31, 2019
Instrument	42626

Lender

Name	BERKSHIRE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 88 Melrose St was $3,262, down 5.3% from the year before.

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	$3,262.00 (-5.26%)	$211,000 (-3.92%) Land $24,700 Building $186,300	$251,285 (+10.17%)
2025	$3,443.00	$219,600 Land $25,500 Building $194,100	$228,095 (+0.88%)
2024			$226,100
2023	$2,885.00	$169,200 Land $22,700 Building $146,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 88 Melrose St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 7, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 88 Melrose St has no burnable land within ember reach, so its wildfire risk is not rated.

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 333 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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