96 Garfield St, Springfield, MA 01108 Property Records

Hampden County and Springfield City property record for 96 Garfield St, Springfield, MA 01108

Property Summary

Property Type	Duplex
Details	8 bd · 3 ba · 3,518 sqft · built 1897
Lot Size	0.151 acres (6,599 sqft)
Owner	Individual Name on File
Last Sale	$445,500 (Aug 2024)
Tax Bill	$6,792 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`SPRI S:05520 P:0014`

Property Details

APN / Parcel Number

Primary APN	`SPRI S:05520 P:0014`
Alternative APN	`55200014`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	14 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,518 sqft Living Area
1st Floor Area	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1897
Effective Year Built	Effective 1897
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Lot Area	6,599 sqft (0.151 acres)
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Account Number	55200014
Street Address	96 GARFIELD ST
City	SPRINGFIELD
State	MA
Zip	01108-2093
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Jurisdiction	SPRINGFIELD MA
Township / Civil Division	SPRINGFIELD
Census Block Group	3
Census Block	3008
Census Tract	802101

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Forest Park Heights Historic District listed 1982 · 915 contributing resources · NRIS 82004942

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

96 Garfield St, a duplex, is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	96 GARFIELD ST, SPRINGFIELD, MA 01108-2093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Jul 1, 2020	Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK
Jul 30, 2018	Quit Claim Deed, Transfer · Conventional Mortgage RECOVCO MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2024 · Amount on File
Deed Sale	Aug 27, 2024 · Amount on File
Prior Sale	Jul 30, 2018 · Amount on File
Deed Book / Page	25550 / 142
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	96 GARFIELD ST, SPRINGFIELD, MA 01108-2093
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0023800-26
Date	Apr 1, 2021
Book Page	23800/26
Instrument	22127

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SPRINGFIELD MA
Property Address	96 GARFIELD ST, SPRINGFIELD, MA 01108-2093
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	23291-156
Date	Jul 1, 2020
Book Page	23291/156
Instrument	35033

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	301 Months
Due	Aug 1, 2045

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SPRINGFIELD MA
Recording Date	Jul 30, 2018
Property Address	96 GARFIELD ST, SPRINGFIELD, MA 01108-2093
Document Number	22290-143
Book / Page	022290 / 000143
Instrument Date	Jul 12, 2018
Instrument	44456
Transaction Type	Transfer
Record Updated	Aug 21, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$669.60
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 COLUMBIA RD DORCHESTER MA 021252370, DORCHESTER, MA 02125-2370

Mortgage

Document Number	22290-148
Date	Jul 30, 2018
Book Page	022290/000148
Instrument	44457

Lender

Name	RECOVCO MTG

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2048

Interest

Rate	9.93%

Tax Assessment & Valuation

The 2026 property tax bill for 96 Garfield St was $6,792, up 57.2% 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	$6,792.00 (+57.22%)	$439,300 (+59.46%) Land $52,000 Building $387,300	$410,925
2025	$4,320.00	$275,500 Land $38,300 Building $237,200
2023	$4,075.00	$239,000 Land $36,100 Building $202,900

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

Flood

FEMA maps place 96 Garfield St in Zone X, an area of minimal flood risk.

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

The area around 96 Garfield 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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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