946 Armory St, Springfield, MA 01107 Property Records

Hampden County and Springfield City property record for 946 Armory St, Springfield, MA 01107

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,696 sqft · built 1929
Lot Size	0.227 acres (9,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Oct 1994)
Tax Bill	$4,827 (2026)
Deeds & Mortgages	Mar 2024 Mortgage Aug 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:00645 P:0162`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:00645 P:0162`
Alternative APN	`6450162`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
1st Floor Area	702 sqft
Basement Area	218 sqft
Unfinished Basement	218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Wood Siding
Lot Area	9,875 sqft (0.227 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Oil

Location & Zoning

Account Number	6450162
Street Address	946 ARMORY ST
City	SPRINGFIELD
State	MA
Zip	01107-1202
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3015
Census Tract	800500

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	946 ARMORY ST, SPRINGFIELD, MA 01107-1202
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Mar 6, 2024	Deed of Trust, Mortgage · Second Mortgage (Down Payment) BANK OF AMERICA NA
Aug 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 1994 · Amount on Record
Deed Sale	Oct 14, 1994 · Amount on Record
Deed Book / Page	8968 / 395
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	946 ARMORY ST, SPRINGFIELD, MA 01107-1202
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	025341-277
Date	Mar 6, 2024
Book Page	25341/277
Instrument	9512

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	946 ARMORY ST, SPRINGFIELD, MA 01107-1202
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	24035-130
Date	Aug 2, 2021
Book Page	24035/130
Instrument	53684

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

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	$4,827.00 (-0.92%)	$312,200 (+0.48%) Land $52,000 Building $260,200	$314,858 (-11.62%)
2025	$4,872.00 (+5.8%)	$310,700 (+15.03%) Land $52,000 Building $258,700	$356,250 (+2.46%)
2024			$347,700
2023	$4,605.00	$270,100 Land $49,500 Building $220,600

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 97% of the US · lower than 94% 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 487 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Crossroads Fiber, Spectrum, T-Mobile, Verizon.

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