Hampden County and Springfield City property record for 97 Francis St, Springfield, MA 01104
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1938 |
| Lot Size | 0.121 acres (5,249 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $150,000 (Feb 2021) |
| Tax Bill | $3,496 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage Feb 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | SPRI S:05340 P:0025 |
| Primary APN | SPRI S:05340 P:0025 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,008 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,249 sqft (0.121 acres) |
| Garage Type | Detached |
| Heating System | Steam |
|---|---|
| Heating Fuel | Oil |
| Account Number | 53400025 |
|---|---|
| Street Address | 97 FRANCIS ST |
| City | SPRINGFIELD |
| State | MA |
| Zip | 01104-1021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Jurisdiction | SPRINGFIELD MA |
| Township / Civil Division | SPRINGFIELD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 800400 |
97 Francis St is owned and occupied by two individuals who bought it in February 2021.
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 File |
|---|---|
| Mailing Address | 97 FRANCIS ST, SPRINGFIELD, MA 01104-1021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 16, 2021 | Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2021 · Amount on File |
| Deed Sale | Feb 16, 2021 · Amount on File |
| Prior Sale | Oct 30, 2009 · Amount on File |
| Deed Document Number | 202110416 |
| Deed Book / Page | 23708 / 510 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Property Address | 97 FRANCIS ST, SPRINGFIELD, MA 01104-1021 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 025249-374 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | 25249/374 |
| Instrument | 57628 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 337 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SPRINGFIELD MA |
| Recording Date | Feb 16, 2021 |
| Property Address | 97 FRANCIS ST, SPRINGFIELD, MA 01104-1021 |
| Document Number | 23708-510 |
| Book / Page | 23708 / 510 |
| Instrument Date | Feb 11, 2021 |
| Instrument | 10416 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 97 FRANCIS ST, SPRINGFIELD, MA 01104-1021 |
| Document Number | 10417 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 10417 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 97 Francis St was $3,496, up 7% from the year before.
Source: Hampden County and Springfield City assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Massachusetts |
| County | Hampden County |
| Municipality | Springfield City |
| Unified School District | Springfield School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,496.00 (+6.98%) | $226,100 (+8.49%) Land $36,100 Building $190,000 | $252,411 (+7.01%) |
| 2025 | $3,268.00 | $208,400 Land $37,600 Building $170,800 | $235,885 (+3.24%) |
| 2024 | $228,475 | ||
| 2023 | $2,414.00 | $141,600 Land $33,200 Building $108,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 97 Francis 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 risk around 97 Francis St is low, with less than a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 730 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 |
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